vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 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: VA

Complaint narrative:
There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but XXXX and Experian has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.

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 2019-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Merchants credit guide claim amounts are {$500.00} and XXXX Medical coverage was paid by private insurance coverage and balance owed is incorrect due to insurance deductible and hospital overcharged for services rendered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: VA

Complaint narrative:
There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but Equifax and XXXX  has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to send almost {$2000.00} at XXXX and the transaction was cancelled due to having no ID. I was charged but never received the service. I was supposed to receive a refund back to my card but it never happened. My account has since been closed and I'm out of almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Since XX/XX/XXXX asking mortgage company ( Bayview Loan Servicing ) to remove PMI. Finally in April, it was determined that we qualify. Bayview had home appraisal done on XX/XX/XXXX. On XX/XX/XXXX sent letter of denial to remove PMI as the valuation report indicates that our home value depreciated. In addition, Bayview conducted an analysis of escrow and taxes and increased our monthly payment by {$55.00}. 

To date we have not received a copy of the appraisal report. We requested report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I maintained a Premiere Money Market Account with PNC. I was charged a {$12.00} service fee on XX/XX/19 and XX/XX/19 ( monthly service fee ). I had previously ( many years ) never been charged a service fee. I called PNC to dispute the service fee and was told that it was due to my account balance being below {$5000.00}. I informed the representative that the fee was never previously charged and that it had not been disclosed to me. 

It does not seem right to me that I was charged the {$12.00} monthly fee beginning in XX/XX/2019 with no disclosure to me that the fee would be charged. Additionally, PNC was paying me XXXX XXXX ( XXXX XXXX ) in monthly interest ( very low interest rate for a Premiere Money Market account ) while collecting {$12.00} via monthly service fee. This seems like stealing to me. Had I not noticed the fee, eventually my Premiere Money Market funds would have been exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX finance company previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX finance company has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX finance company reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company had previously been reporting to Transunion a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 6 additional late payments to my Transunion file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXXinance company has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX finance company is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.

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 2019-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX XXXX XXXX previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX XXXX XXXX has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX XXXX XXXX  reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to XXXX a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 6 additional late payments to my XXXX file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to Experian a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX XXXX XXXX is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I learned in XX/XX/XXXX that I was receiving a monthly charge of {$27.00} to my XXXX credit card ( account ends in XXXX ). The charge was noted as " Experian* Credit Report XXXX CA. '' I contacted XXXX bank in XX/XX/XXXX and disputed the charge. My dispute of the XX/XX/XXXX charge of {$27.00} was resolved in my favor. I learned that Experian had been charging my credit card {$27.00} each month beginning in XX/XX/XXXX. I attempted to dispute all monthly charges. XXXX informed me that I would have to open a Fraud case. 

I can not recall nor do I have any knowledge of enrolling in any product or service from Experian. 

I have attempted to contact Experian multiple times. I called XXXX. I also called XXXX. I also called the toll free number for customer support provided on www.experian.com. Each call is to an IVR that provides no option to speak with a customer serv ice representative ; I have been unable successful in reaching a human at Experian with whom I could speak. 

I attempted to resolve this problem on-line using www.experian.com. I was informed that I am NOT an enrolled member for any Experian services or products. Nonetheless, Experian has charged my XXXX credit card {$27.00} each month beginning in XX/XX/XXXX. 

I was forced to close my XXXX credit card account due to it being charged from Experian each month. The account has been closed. 

I had to

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax refuses to verify my identity to evaluate my free annual credit report on the incorrect basis of failing security questions. However, the security questions asked by telephone reps were repeated multiple times in broken English expecting different responses to the same question. An untenable result. Two different reps speaking English a second language were unable to differentiate past from present tense making answering the questions satisfactorily impossible. I am now incorrectly locked out of my credit file both online and via telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: GA

Complaint narrative:
My mother, XXXX XXXX, passed away XX/XX/XXXX. On her death, that property became mine. 

On XX/XX/XXXX, my mother got a Reverse Mortgage from Reverse Mortgage Funding, XXXX XXXX XXXX, XXXX, Texas XXXX.

We paid off the Reverse Mortgage on XX/XX/XXXX. On the payoff notice, there was a charge of {$450.00} for an appraisal. We have been told at least 3 times that we would be getting a copy of that appraisal. To this date, XX/XX/XXXX, we have not received a copy of that appraisal, leading us to believe the appraisal was never done. 

This is the email I sent to Reverse Mortgage Funding on XX/XX/XXXX : " We have been trying to get a copy of the appraisal for my house at XXXX XXXX XXXX XXXX XXXX AZ XXXX for about a month now. Somewhere around Wednesday, XX/XX/XXXX, I called to ask for a copy of the appraisal that supposedly was done on XX/XX/XXXX. She said she would get that out to me right away. What was sent to me was the original appraisal done in XXXX. I specifically asked for the one done XX/XX/XXXX. I didn't ask for or need the XXXX appraisal. It is no use at all to me. 
Wednesday, XX/XX/XXXX, I called and talked to a woman again about getting that XX/XX/XXXX appraisal. She said we would get a copy of it in 1 or 2 days. This is the 3rd day. We got a Priority Mail package this morning, but again, there was no copy of the appraisal. All we got was the attached document which had several errors. 
In that letter on page one, it says : " On XX/XX/XXXX, the appraisal was downgraded to a drive-by appraisal because the point of contact refused to allow the appraiser access to the property because an appraisal was already completed by the Estate. '' That did not happen. We were there waiting for the appraiser to do the appraisal. There was someone there all day. No one ever came. 
On page 2, the letter also says ; " On XX/XX/XXXX, when you called to inquire about the securing of the property, you were not yet authorized on the account to receive account-specific information. It was not until XX/XX/XXXX, that we received the Grantee-Beneficiary Deed indicating that you are the Grantee-Beneficiary ... '' That also was very frustrating to me. I had emailed the documents 2 times ( see emails XX/XX/XXXX & XXXX, XXXX ) before I left XXXX on XX/XX/XXXX, before they eventually saw that I was authorized. Just last Wednesday, XX/XX/XXXX when I called, I had to get through 2 people  saying I was not authorized. The third person saw that I am authorized. She is the one that said I will have the appraisal in 1 or 2 days. That time has expired. The letter did not contain any appraisal again, as noted above. 
Since Reverse Mortgage Funding seems so reluctant to send us that appraisal, we can only conclude that no appraisal at all was done. We are now asking you to refund the entire {$450.00}. ''

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 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The following people were contacted by this company- me, my husband, my father, my mother, my sister, my sister-in-law, and I was left a message at my place of employment. They stated that I was a defendant in a lawsuit and I needed to contact them within the next 24 hours- this is Portfolio Recovery Services about old debt that has been written off. The phone numbers they called from were XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC
State: TN

Complaint narrative:
I have established an excellent repayment history with this company over a period of more than a year. Last year I was approved for a loan of {$1000.00}, which I paid back perfectly. During this time my wife and i separated. I applied recently for a new loan and was denied. The company 's reason was that I have " insufficient income. '' Yet my wife, who makes less than me, was recently approved for the same amount! The only thing that has changed in the interim is my marital status, which I believe is the real reason Lendup rejected my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Specializing Loan Servicing is using faulty information in the servicing of the mortgage loan. SLS has been made aware of the robo-signed document which is the enclosed Assignment of Mortgage. 

XXXX XXXX XXXX XXXX XXXX XXXX went out of business on XX/XX/XXXX, and Mortgage Electronic Registrations Systems can not assign a mortgage and does not have employees. 

The robo-signed Assignment of Mortgage is trying to make it appear that XXXX XXXX XXXX XXXX XXXX   XXXX was in business on XX/XX/XXXX, and XX/XX/XXXX. 

Specializing Loan Servicing has also failed to deliver required foreclosure protections. The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement. Specializing Loan Servicing has yet to respond to a Notice of Error and request for information. Specializing Loan Servicing has yet investigated my complaint.

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 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I borrowed XXXX in XXXX and graduated working in XXXX XXXX for XXXX for over 10 years. In XXXX I had to file a chapter XXXX which was to wipe out XXXX of student loan debt with payments however once that discharged I still owed the full amount plus interest to sallie Mae. This became navient and I filed for forgiveness in XXXX but was denied. Now I still owe XXXX after thirty years of payments. What gives? Ive bought and paid a dozen cars off in this same amount of time but cant get this debt to drop with faithful payments

Company response to consumer: Closed with explanation