vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I contacted pennymac today XXXX and asked to uave PMI removed from my FHA mortgage since it had been over 2 years and my LTV is below 80 %. They stated that i had to have PMI for the entire life of the loan. 

I dont belive this is true. 

Please advise my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC
State: UT

Complaint narrative:
I was forced to start an application with Eagle Home Mortgage by my builder. I did not want to use them, told them I wsnt going to use them but they said i had to or they wouldnt sell me the home. Builder is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  Their lender pulled my FHA Case number and now refuse to release the case number to the lender I was always going to use, XXXX XXXX XXXX XXXX XXXX.

the lender refusing to send or release my FHA case number is : Eagle Home Mortgage , LLC Phone # : XXXX Broker Participation? X Yes No XXXX  agent : Agent/Company : XXXX XXXX / XXXX XXXX XXXX - Utah Street Address : XXXX XXXX XXXX XXXX XXXX XXXX City, State Zip : XXXX XXXX, UT XXXX   Phone : XXXX They are holding my loan and home purchase hostage by refusing to transfer my FHA CASE number that I never wanted them to pull in the first place

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 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX called today from XXXX XXXX? And started off by saying they are about to take civil action against me before even telling me that it was a debt from Barclays and I made the last payment in XX/XX/XXXX. I said I settled that when I bought my house with another company and dont owe it. He went from threatening to sue me to closing down all my checking and savings accounts, yelling, Youll be calling me back then!, and hung up on me. They are using a different last name ( Ive been re-married since XX/XX/XXXX! ) and he wont mail me any correspondence. Verbally abusive, calls constantly and has even called my husband!!!!!! Please make it stop. Hes literally making me ill with anxiety. All I know is hes XXXX @ 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 explanation
Consumer complaint received 2019-01-15 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I checked my credit report in XXXX and it shows that 5 credit inquiries were done fraudulently under my name by XXXX XXXX on XX/XX/XXXX. This isn't the 1st time my credit is impacted by fraudulent activity. I was a victim of identity theft in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover card increased my interest rate in my latest statement by .25 %. They have done this 3 times in the last 18 months. In XX/XX/2018 I closed my account with a balance so the increases would stop.

I did ask them to reduce the interest rate before closing the account but was denied.

Can they keep increasing on a closed account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have corresponded with this 3rd party collection company about an alleged debt they claim I owe. I have asked them to send me something with my signature on it stating i have contracted with them and the original creditor. The company still continues to send me some statements which I did not ask for and continue to report on my credit. The customer service reps are very rude. The First Lady I spoke with XXXX on XX/XX/19 was rude and did not try and help me. I asked to speak to a supervisor XXXX on the same day and she was not helpful either. They do not follow the FDCPA or FCRA by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX Wakefield and Associates put a collection account on my credit report acct # XXXX. I have received no prior notice or information from them regarding this account would be reported negatively.. I was on a payment plan of {$50.00} a month for a medical bill from XXXX XXXX, which I was paying, They have no right to put a negative item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX partially installed product XX/XX/18. Had horrible problems with installer ( foul name calling, non-communicative, etc ), feared for safety, locked him out before completion. Owner said would not charge full price, but she did anyway. I disputed {$500.00} of total charge with my Chase credit card, submitted documentation on their request - both from the manufacturer and a separate company saying the installation was incorrect and incomplete with a {$700.00} estimate to correct. Chase basically disregarded all my documentation and sided with merchant instead of myself, as their customer. This is an absolutely valid claims and defenses charge back. I will need to pay someone to correct and complete the botched and incomplete installation that this company did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Hello, I am writing this because of an unethical collection agency, Diversified Consultants. XXXX imputed a collection account on my report due to a stolen cellular phone. I filed a claim directly with the insurance company, XXXX, for replacement of the phone ; but the claim was denied, ( However, we agreed to a payment plan until the account was settled ). Unbeknownst to me, XXXX closed the account and demanded full payment. While reviewing my credit report with XXXX XXXX, I found out XXXX had referred my account to a collection agency, XXXX  XXXX XXXX XXXX for a debt of {$1300.00}, reporting date of XX/XX/XXXX. I immediately launched a dispute, with the agency and it was taken off my credit report. 

On XX/XX/XXXX, while checking my annual credit report with XXXX, XXXX, and XXXX, I saw that a different collection agency, Diversified Consultants XXXX  took over this account, but with a different reporting date. This is false reporting by this collection agency. They re-aged this account, after acquiring it from another collection agency, ( in an attempt to hold on to the account longer ; than the statute of limitations for the state of Florida allows, my legal residence ). This is an illegal activity, which has caused my credit score to decrease and my rights violated! This collection agency has not contacted me or attempted to contact me. This negative posting on my credit report has caused financial hardship on me. I want this debt taken off my credit immediately, or I will seek legal action. This action has denied me from obtaining credit, purchasing a house, and denied jobs due to this illegal credit reporting. 

I have attached documentation to prove my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: PA

Complaint narrative:
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, Equifax and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information.

This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX   inaccurately changed the date of first delinquency on this account.

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX  inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: PA

Complaint narrative:
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. Experian, XXXX  and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ).  Furnisher Rule Part 660 Experian inaccurately changed the date of first delinquency on this account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 Experian inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) (  G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OR

Complaint narrative:
On XX/XX/XXXX I filed a dispute with direct express for over 100 multiple charges that were made through an online server called XXXX XXXX  on my XXXX XXXX debit card. I sent in documentation that show that I was hospitalized during the extent of these transactions and sent a truth affidavit along with records of my XXXX XXXX  that show it wasnt on my account. I did not receive responses until weeks later after filing a complaint with the XXXX XXXX XXXX. After following up with the supervisor they denied my dispute with out reasoning. When I requested documented proof and reasoning of why my dispute was denied I was hung up on. I called back multiple times and was told that my dispute was denied because I did not report another transaction that had occurred within the same time limit through the same server. Clearly I must not have seen this transaction for a dollar if its even there. I still have not received anything through mail and my emails are going un answered. This is my sons XXXX benefits and they are stealing from Him just like whoever stole from him too. I just need to know if I need a lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase refuses to reverse fees and follow their own processes and procedures. I should not have to call the bank and inquire daily if I have charges that I can not see on my account, pending or posted. I was charged the NSF fee from a XXXX 's When I called the bank, I was told the fee was based on charges from XX/XX/XXXX. However, when I checked my account there are no charges from XXXX on XX/XX/XXXX. If they were honest about when the fee posted, which was XX/XX/XXXX, they would have to acknowledge the fee posted THE SAME DAY AS THE XXXX charge posted. They would have acknowledge that was not sufficient time to resolve prior to incurring the nsf fee. That was the advise from XXXX, to " monitor my account daily ''. And since there are NO CHARGES, even now, showing on my account for XX/XX/XXXX from XXXX, pending or posted, how is it that I have NSF fees based on charges from XXXX? Since Chase says they operate on " real time '' I should have been sent an alert on XX/XX/XXXX and the charges should have shown " pending '' until it fully posted on XX/XX/XXXX. If the XXXX 's charges showed pending on XX/XX/XXXX, then monitoring the account daily would have helped. But that is not the case - NO CHARGES FROM XXXX EVER APPEARED ON MY ACCOUNT. And if I were monitoring my account daily, there would have been NOTHING TO SEE because there were no PENDING OR POSTED charges ever for XX/XX/XXXX from XXXX. For XX/XX/XXXX, there were never charges showing, no charges pending, no alert was sent about as I have scheduled. If I had been monitoring my account daily, I would have seen NOTHING, so that would not have helped me. Yet, I am being charged {$34.00} for not knowing about it and never allowed the opportunity to resolve prior to incurring the fee. As a result of Chase 's actions, the charges and nsf fee appear on my account on the SAME DAY, in which case, even with monitoring, there was never an opportunity to resolve. 

I was advised previously by Chase employees via phone the following : 1. ATM deposits of cash made the same day will be effective on that day. 

I made an ATM deposit at XXXX XXXX after work, the SAME DAY of a charge from XXXX that was pending. Chase refuses to acknowledge it because it was made after their imaginary " cutoff '', of XXXX XXXX and I live in XXXX XXXX. The average reasonable person, understands " same day '' means prior to midnight, and in their own time zone ( mine is Central ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 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: MD

Complaint narrative:
1. I have tried on numerous occasions in the month of XXXX and in XX/XX/XXXX sent certified mails to these credit bureaus and the credit card companies about these inquiries and to have Trans-union to delete out this unauthorized inquiries from my report but to no avail. I have mailed several letters I found XXXX, XXXX / XXXX /XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX XXXX , XXXX /XXXX, XXXX / XXXX, AND Transition and all these credit companies have refused to delete this unauthorized inquires from my credit, I do not have any accounts with them, have asked them to show proof that I authorized this or else delete it. I have an excellent score and am not trying to have authorized information and or inquiries on my report. 

Please use your good office to contact them to delete this information from my report. 

2. On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : XXXX / XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXT XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXXXXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply. 


3. XXXX On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : XXXX / XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply.

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 2019-01-15 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

First Federal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
They have contacted me personally and left voicemails threatening a lawyer ... .Now they have contacted other people not associated with the card household or related in some cases

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Every year I review my credit reports from " The Big 3 ''. No problem with XXXX. No problem with XXXX. Once again, Experian is being a nightmare. For the past 10 years Experian has made me send, then resend the same information. XXXX  identified me by phone- no issues at all good for them. XXXX  did it by writing- no issues, and they accepted my drivers license, my bills, my Veterans Identification card, and my Government XXXX XXXX card. In other words I wanted to PREVENT exactly what's happened. Once again- I get my yearly " Sorry, please re-submit the information requested '' that I already sent them. Worse- I returned it to the address given ( Tracking number XXXX ) to their XXXX , GA location zip code XXXX and they LOST THE DATA THEY REQUESTED! 

I am NOT willing to send that information out again- not after they've lost it once!

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 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/2018, I received a call from Navient asking me to make a payment of {$2500.00} and then I can pay {$200.00} a month with zero interest. Instead, Navient, took my {$2500.00} and {$200.00} each month. They used all the money for interest and very very little for principle. They constantly annoy you with calls and they lie to people just to get the payments. Please I need your help. I paid them {$2500.00} and four months of {$200.00} which is another {$800.00}. I really need your help.

Company response to consumer: Closed with explanation