vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
This is a follow-up to a previous complaint I had filed against Ditech Financial, LLC. 

Ditech has refused to cancel our PMI for multiple months. Per the Homeowner 's Protection Act, Ditech  must automatically terminate our PMI when our LTV reaches 78 %. Our LTV dropped below 78 % LTV prior to our XX/XX/2018 statement. In addition, we requested over phone and email that Ditech terminate our PMI three times in XXXX, XXXX, and XXXX. In our most recent call with Ditech, the Ditech representative tried to push us to pay for their appraisal service before we cited the Homeowner 's Protection Act, at which point they became apologetic. 

Ditech 's previous response to our CFPB claim cited the section in the Homeowner 's Protection Act that allows Ditech to require evidence that our home 's value has not depreciated in value. However, per the " Automatic Termination '' clause in the Homeowner 's Protection Act, if our LTV drops below 78 %, Ditech can not require this evidence before terminating our PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I paid my Ford Motor Credit bill online every month within 30 days of its due date. Ford Motor Credit delayed posting payments and is reporting to the credit bureaus that my payments were more than 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: MD

Complaint narrative:
EXPERIAN HAVE NOT VERIFIED NONE OF THE QUESTION I ASK NOR DID THEY ANSWER ANY OF MY CERTIFIED MAIL. I SENT OUT ON DATES XXXX/XXXX/XXXX NOR XX/XX/XXXX AND XXXX AND XXXX XX/XX/XXXX AND XXXX SO I GUESS EXPERIAN REFUSED AND TOLD ME IN A LETTER THAT I WILL GIVE U STATED WHEN HAVEN T DONE NO INVESTIGATION AT ALL. REASON NO ID AND NO SS CARD WAS SENT IN. I HAD TO LAUGH AT THAT I CAN RECALL EVER TIME I SEND MY LETTER IN WITH FULL COLOR ID AND SOCIAL SECURITY CARD. HERE ARE MANY LETTER THAT EXPERIAN TOLD ME IN A LETTER WHAT I SENT AND ALL MY STUFF IS DATE. 

EXPERIAN DO ALOT OF FAKE VERIFICATION PROCESS THEY NEVER PICK UP A TELEPHONE AND CALL NOBODY AND ASK THE PROPER QUESTION AT ALL. THIS IS AMAZING. 

THIS ONE ACCOUNT NAME XXXX XXXX XXXX  # XXXX SHOW AT LIST OF INACCURATE INFORMATIOM 1. DATE OPEN SAY ON EXPERIAN XXXX XXXX THATS WRONG XXXX  SHOWS DELETED XX/XX/XXXX AND EQUIFAX SHOW DELETED XX/XX/XXXX 2. EXPERIAN HIGH BALANCE SHOW {$2100.00} XXXX HIGH BALANCE SHOW DELETED AND XXXX HIGH BALANCE SHOW DELETED 3. EXPERIAN CREDIT LIMIT SHOW {$300.00} WHEN XXXX SHOW DELETED AND XXXX  SHOW DELETED .. 


I DON ; T KNOW HOW IS THIS COMPANY PUT FAKE AND UNVERIFIED ACCOUNT ON MY CREDIT REPORT EXPERIAN NEEDS TO BE FINE {$250000.00} TODAY FOR MAKE UP A ACCOUNT FOR CUSTOMERS AND SELLING MY INFORMATION TO A THIRD PARTY SITE .. BECAUSE OF EXPERIAN DATA BREACH

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 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
After paying the large amount off in full, I asked the associate if I would have any occurring fees ( conversation was recorded the day of pay off ), she said no as I was paying off the account in full. I asked several times and and she explained since I was paying off the total balance, I would not have any fees. Roughly a month later, I received a credit alert on my credit score as it dropped XXXX points. When I investigated, I saw that I was in collections from the account I paid off in full over a XXXX cent fee on the account that showed I was over a month late on. When I called, the manager took off the XXXX cents but explained because it was a fee that posted 4 days after I paid off the full balance from interest that they could not remove the derogatory remark from my credit score, yet they removed the XXXX cent fee. My XXXXredit score has suffered XXXX points due to this error from US Bank Card Services. 
I paid off the balance in full according the card balance/statement on the phone with an associate. 
I was not called to resolve this otherwise I would have paid the amount off with my pocket change. Being I am a full time XXXX XXXX XXXX XXXX employee who assisted in fire response all summer, I did not have time to continuously check an account I had paid off in full ( which is why I paid off the large balance in full ) and was verified there would not be occurring fees after the pay off. 
Furthermore, at the day of pay off, I asked to close the account but was advised that my credit history would be deleted which would negatively impact my credit score. If I had closed the account, the XXXX cents theyre system added in error would have never happened. My credit score today would be XXXX points higher if I had just closed the account.

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 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.

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 2018-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2018, I placed a PayPal order for {$24.00}. The seller was supposed to have sent a tracking number 10 days after the original purchase. This seller has not and neither has he replied to me regarding this purchase. 

Representatives with PayPal had promised me a refund of {$24.00} because the tracking number was never received. 

This was a statement three days ago.

Now PayPal is continuing to wait to hear from the dealer even though there is no proof this order is being sent.

PayPal refuses to honor the sellers agreement with me.

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 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm requesting that the following accounts be removed / blocked from my credit report, due to the fact that I DO NOT HAVE A CONTRACT with any of the following companies and according to the FCRA law these accounts shall be removed ... XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital one credit card open currently in good standing. I just received an alert someone opened another card with capital One in my name and it is NOT ME. My credit score was lowered and it was denied and idk what or who did that?! I dont know what to do. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-13 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I placed a credit freeze with One of the main 3 credit reporters. This was because I received a letter in the mail saying my old company I worked for XXXX had been hacked in XXXX and they just now found out. I signed up because my info is on the dark web, i have been hacked earlier in the year, and a car and insurance from XXXX was purchased. I still am seeing credit inquiries nearly everyday that I am not familiar with at all and nobody is calling me to verify if it is me! Please remove all ( HARD & SOFT ) of these inquiries from my reports and freeze my credit now. If the Inquirer DOES NOT HAVE MY WET SIGNATURE, OR IDENTIFICATION WITH THE APPLICATION. ACCORDING TO FCRA SECTION 604 THEN IT IS NOT VALID ... I AM DEMANDING ALL INQUIRIES BE LOOKED INTO FOR PREVIOUS 2 YEARS FROM TODAY XX/XX/XXXX. 

THANK YOU, XXXX 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 non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I took out a student loan primarily using my relatives credit for the amount of XXXX dollars for the XXXX acedemic year. The issue is that I accidentally selected the option that does not defer the payments for the loan and now I have a XXXX bill every month which I can not afford so a few times I had to pay late. I have called them many times, but their general response is ask your brother for money. This is an issue however because first of all its my loan which is meant to be paid by me, there is only so many times I can ask for money, and second of all he has his own bills and expenses. I need a solution to this because right now I am scraping every cent I have to pay for that, and am left with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NV

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me  an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
For the last several years I have been late on my mortgage payment. Every month I faithfully paid a {$28.00} late charge. This was accessed as the payment was over 15 days late, which I paid.

I recently brought the loan current, however, the late charge was continued because WF claims it is now accessed from the first day of the month in which the payment was due.

The Financial Note ( Page 2 ) clearly states the late charge is accessed 15 days from the first of the month the payment is due. This is a financial contract, corner stone of the mortgage and can not be changed.

Please answer, why even bring the loan current?

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 2018-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
XXXX XXXX sold my mortgage to Select Portfolio Servicing , Inc. ( SPS ) this year. I have been making additional principal payments and the company has 1 ) not processed an additional principal payment of {$500.00} I made on XX/XX/XXXX and 2 ) processed an additional principal payment of {$1000.00} I made on XX/XX/XXXX as an advance payment instead of additional principal payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: AES/PHEAA
State: VA

Complaint narrative:
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 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: NV

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention

they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I checked my credit and there is a collection from Diversified Consultants XXXX. XXXX XXXX XXXX FL XXXX. They didn't contact me in any way nor did they send me any correspondence via mail. It just appeared on my credit file on XX/XX/2018. I had this same issue 2 yrs ago with XXXX and it was deleted off my file once it was resolved due to no amount owed. I have sent them a certified letter to provide me with the original contract with my signature on it to validate this claim. This is required per the FCRA to report on my file or it's a violation of my Federal Right. Sec. 609 ( A ) ( 1 ) ( a ) and 611 sec. ( a ) ( 1 ) ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with Transunion but they did nothing but remark my account.

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 2018-10-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
To whom it may concern, I have been in this dispute with American Express Serve for the last 10 months. The problem with the dispute is I accidentally placed a charged on the original dispute form that I put online on XX/XX/2017. The charge was from XXXX XXXX. I did not mean to put that charge on the original form that I did online. I did however correctly put the charges that I needed disputed on the paper form that I faxed to American Express. Due to all the confusion and miscommunication American Express is punishing me for a human error on my part. The amount that I would be disputing would be XXXX, I would like you to please look over my case and see if there is anything that you guys can do to help me with this I'll be submitting a police report a picture of the original form that I did buy paper fax. Any help that you can give on this case would be great. I hate that I have lost my money due to me putting accidentally the wrong charge on the online dispute form by mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-13 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: NV

Complaint narrative:
" " '' I have disputed this collection on thisXXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation