vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 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: TX

Complaint narrative:
This concerns XXXX XXXX. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid myXX/XX/XXXX payment which was dueXX/XX/XXXX on XX/XX/XXXXwhich was one day late, not 30 days late. They reported to XXXX that I was on time. They reported to XXXX  and Trans Union that I was 30 days late in XXXX. I caught the account up in XXXX and can not have them showing 30 days late when i was not. Also, XXXX and XXXX show a balance of {$17000.00} which is incorrect and TransUnion shows a balance of {$13000.00} which is correct. I made 4 payments in XXXX and XXXX to catch up. XXXX XXXX told me that they had a system update in XXXX and could not report untilXX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/ ). They tell me they reported and can not correct until the XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.

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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business account with Chase back in XXXX, with a promotional offer to receive {$300.00} once I made five qualifying transactions. ACH transfers were listed as a qualifying transaction. I made sure to do 10 ACH transfers to an external account so the bonus would trigger. I did not receive the bonus and through secure messages with online banking Chase told me that because I initiated the transfers from Chase 's online account management, they are coded in the system as " external transfers '', not ACH transfers. However, these should be qualifying transactions according to the terms of the promotion since they are in fact ACH transfersthis is the way external transfers work, and this is in fact reflected in the statements from my other financial institution ( attached transaction list from XXXX ), which lists credits and debits to and from chase as ACH transfers. Since the transactions I did were in fact ACH transfers, they should've satisfied the terms of the promotion which were disclosed on account opening ( attached ). I've attached the correspondence I've had with Chase so far regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Lender refuses to honor my request to remove PMI from my mortgage. In reviewing the Homeownes Protection Act of XXXX I meet two qualifications for removal 1. The signed PMI disclosure for my loan contains XX/XX/XXXX, as the anticipated 80 % LTV date.

2. An appraisal conducted on XX/XX/XXXX, by the lender showed a 80.1 % value. The value is now less than 80 % LTV based on this valuation and principal payments made since the apprasial Lender responded to my written request with a denial letter stating investor guidelines require 75 % LTV before PMI requirements are removed from my loan ; this is contrary to the signed PMI discusure. Multiple requests for additional information from the lender have failed to produce a copy of this guideline. Further, CFPB bulletin XXXX states that the HPA prohibits lenders from applying investor guidelines that restrict a borrowers ability to request removal of PMI when 80 % LTV is actually achieved or at time the estimated 80 % LTV date in the PMI disclosure is reached.

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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
In early XXXX, I found an offer from Citibank to open a new checking account with them ; leave {$15000.00} in the account for 2 months, then they would give a {$300.00} bonus. About 1 and a half months later, the account was closed. After calling customer service, I was told that the account was closed as a result of my lack of response to a call they made to me on XX/XX/XXXX. In fact, my phone log says that I called them back about an hour later the same day. Otherwise, I had received an email on XX/XX/XXXX after activating the debit card they sent me, and on XX/XX/XXXX, saying that my transfer had gone through. However yesterday ( XX/XX/XXXX ) I received an email saying that the transfer did not go through and that the account would be closed. I have a feeling that Citi is systematically closing accounts rather than paying out the bonuses they offered to account holders. I would happily have put the money in a high-interest account were Citi not to have made that offer, but instead, Citi has been making interest on my money and left me out to dry.

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 2018-05-01 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: WI

Complaint narrative:
XXXX XXXX XXXX is currently going through bankruptcy. The process has been very slow ( they filed on XX/XX/2016 ). No funds from the claim have been disbursed, yet the college loan companies continue to report to the bureaus. In regards to my own loans on my own account, there have been both federal and criminal offenses committed by XXXX XXXX XXXX, including threats, tampering with interest rates, predatory loan tactics and more. These loans are invalid. The college loan company in charge of my account and the credit bureaus are in collusion with XXXX XXXX XXXX and therefore are ignoring these offenses. THIS COMPLAINT IS NOT TO BE SENT TO THE COLLEGE LOAN COMPANY IN QUESTION WITHOUT MY AUTHORIZATION! This complaint should be sent to Federal Student Aid, the U.S Department of Education, the U.S. Inspector General 's Office, MA State Attorney General XXXX XXXX, the predatory loan department of XXXX XXXX and XXXX XXXX XXXX directly. NO OTHER ENTITY should receive this information without consulting me first and receiving my authorization. NONE OF MY PRIVATE INFORMATION should be given without my consent. This includes, any of my contact numbers, my address, my social security number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On a Bank of America credit card ending in XXXX, I paid the amount due within the 30 day payment policy according to the Fair Credit Reporting Act ( FCRA ). This was done electronically. I spoke with a customer service agent at B of A on XX/XX/XXXXat XXXX and his name is XXXX. During this call it was made clear to him that the payment was made within the 30 day limit according to the FCRA. He did state that a credit of a late fee assessed on my account would be shown on my next statement. Additionally, and more importantly, he said he would make a correction with all four credit bureaus to show " paid as agreed '' for XXXX, the period in question. The credit reports were not updated as per our conversation. 

I made the payment electronically. This alone should invalidate any type of negative reflection on my credit report. 

My entire credit report prior to B of A 's improper reporting to the bureaus showed no negative information for any account. 

The FCRA has a penalty assessment for the improper filing of improper data. I would expect the full amount of financial penalties to be assessed in this case. B of A is handing these situations as if they don't care. They must be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01 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: CA

Complaint narrative:
My student loan payments should qualify for Public Service Loan Forgiveness as I work for a qualified employer and have made regular payments over the past ( approximate ) 7 years. My loan servicer has not qualified all of these payments and I would like to know why. I requested a payment tracking letter from XXXX  XXXX   regarding payments that qualify under the Public Service Loan Forgiveness. I requested this breakdown of qualifying payments approximately XX/XX/XXXX. I was told that it would take up to 2 months to complete. I checked back in XX/XX/XXXX - it was still reported not complete. I continued checking in every few months and was told that it was finally complete in XX/XX/XXXX and would be sent immediately. I never received the payment tracking letter and have continued calling to check up on/request it and have still not received the promised payment tracking letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: GA

Complaint narrative:
In preparation for closing the sale of my current home I contacted Ditech, my mortgage company, for payoff information approximately six weeks prior to the closing for payoff balance, etc. I asked if that month 's payment and the next, if the closing had not taken place by then, could be rolled into the payoff total that I was receiving.

That was done, however, now that Ditech mortgage has been paid in full and I am trying to be approved for a new mortgage I have learned that Ditech posted two months late payment to my credit score that came in the week I was to close on the new mortgage. This, of course, has caused the approval to be delayed which may cost me the purchase of my new home. 

I was ill advised by Ditech and have pleaded with Ditech to remove these late payments but so far have not been able to succeed. I have owned homes for over 40 years and have never had late payments before this posting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: PA

Complaint narrative:
The last few months I have gotten calls from this number XXXX, Viking Client Services, saying they are a debt collector and to call this number XXXX. The last one was XX/XX/2018 at XXXX XXXX. I have ignored answering these calls and let them go to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I used a PayPal credit account to purchase XXXX XXXX at XXXX $ On XX/XX/XXXX and XX/XX/XXXX, unauthorized charges showed up on the account for the amount of XXXX. I did not make these purchases and am unfamiliar with the vendor. 
I discovered and reported this to PayPal on XX/XX/XXXX date. 
I filed a police report on XX/XX/XXXX. 
On XX/XX/XXXX, PayPal informed me via phone of the review of the charges and determined that they were authorized. 
On XX/XX/XXXX, I submitted a copy of my police report to PayPal. 
On XX/XX/XXXX, PayPal informed me that upon secondary review, they determined that the charges were authorized. They informed me that they would be sending me written notice as to why they were determined to be authorized charged, however they have not done so. 

In addition to the fraudulent charges on the account, the charges have been accruing interest for which PayPal now claims I am responsible.

PayPal is not calling me multiple times a day in order to request that I pay the unauthorized charges. I have attached a call log of the frequency of these phone calls, which totals to more than 70 calls since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX My two previous complaints has unlimited misleading inaccurate information and W.F.B should is violation of RESPA, TCPA and so on.

Currently my request to have loan modified again no decision has been made even though I have used HUD counseling service. Reason for not denying or approving loan modification is one my daughter who is not a borrower or on the loan did not provide her pay stub. 

My daughter 's income has nothing to do with loan modification since she is is not on the loan or has borrowed form W.F.B. 

Since W.F.B has acted same manner which includes around XXXX when XXXX tried to assist me. 

Rest is in the two attachments that has many misleading and false information. 

W.F.B should cease entire sending fake letters when I do not file any complaints. Letters from XXXX XXXX XXXX are faked and its only to indicate FED and State of CA response have been made. Unlimited numbers of letters I have received from her she dose not or have never called me. Her letters are all faked and she should stop sending me fake letters when I did not contact W.F.B which never

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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: First Data Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX I wrote Check XXXX to the grocery store for {$64.00} On XXXX It bounced On XX/XX/XXXXit cleared The check was deposited via telecheck systems at the cashier. 

Two weeks after on XX/XX/XXXX my account gets a debit for XXXX from " my grocery store as a fee '' I immediately told my bank I did not authorize it. I didn't have XXXX in my account so on XX/XX/XXXX they bounced it, and charged me XXXX Today XXXX, I called the grocery store, they said they had nothing to do with it, Telecheck sent the XXXX fee. They told me to call Telecheck, at XXXX, I called. When I explained the situation, and cited www.fdic.gov/regulations/laws/rules/6500-580.html Section 3 ( c ) 1 Checks " Regulation E does apply however to any fee debited via an eft from a customers account by the payee because the check was return for insufficient funds or uncollected funds. The person debiting the fee electronically must obtain the consumer 's authorization. '' I did not authorize the fee, and they never notified me of it. When I called the number they then sent me to XXXX XXXX XXXX  XXXX, where I explained the same. 

They broke the law debiting a XXXX fee by not garnering my consent. 

I did tell them they can charge it on Friday, payday. However, I am reporting this practice because this check for food for XXXX cost me nearly twice as much as the amount on the check in fees between the bank and this company.

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 2018-05-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry.

Very Respectfully, 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 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, 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