vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I have had this issue with experian time and time again. they keep using my current address as an old address. I can not remove or lift the freeze from my credit report when i need to because they are using information that is not mine. I can not even verify identity using their system because their system is asking me questions that do not pertain to me and it is indicating my current address as an old address. When i file a complaint, they will fix the issue temporarily and them put it right back to incorrect information. I live in XXXX, SD and not anywhere else. I would like them to use the correct information and stop with the fraud tactics. I have a fraud alert placed on my credit but the credit bureaus are committing the fraud.

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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX my home was appraised at my request by a representative from the mortgage lender ( XXXX XXXX ) in order to remove the PMI on my current loan. 

My home appraised for {$520000.00}. Principal on the loan is just under {$400000.00} with no other liens or second mortgages. This puts my LTV at 77.87 %, according to the lender 's own documentation. This is under the 80 % LTV required by law for removal of PMI. 

Subsequently, I sent emails requesting the removal of PMI to XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again today. XXXX XXXX acknowledged all my emails. I've spoken on 5 separate occasions to representatives of XXXX XXXX who stated PMI is removed at 80 % LTV, that all other conditions are met for removal of PMI on my loan and that they're not sure what's happening, they suggested I keep writing emails. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating that the PMI on my loan would not be removed, applying a 75 % LTV for removal of PMI instead of the 80 % allowed by law. This is in violation of the Homeowner 's Protection Act and the laws of the State of New York regarding this matter. 

All conditions for removal of PMI on my loan are satisfied and PMI should be removed forthwith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.

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 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have been trying to get this fixed along with other issues with this company. One issue is they first said I was pass due on my Loan. This has been fixed they misapplied a payment. Now I am dealing with the Escrow Account for my Property taxes. The Yearly Tax is {$2700.00} paid in two payments of {$1300.00} during the year. They have Twice this amount in Escrow I want a refund of the overage. They say I have to wait until XXXX when they do their audit. Meanwhile they are still taking money out for the escrow. I should not have to wait for them they have over charged me already. I can not talk to them directly they only take correspondence and take 30 days to reply. Under your section 1024.17 this is not right. 

Can you Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
To Whom It May Concern : Good Day! 

As today XXXX XXXX I am writing you to take a look my concern and I take this seriously. My name is XXXX I received a letter from you and my radius debt collector as well and Id been calling USAA and after the ring itll go to operator or most hang up. So what USAA desire to fix this? As my concern may I ask for a dispute regarding the account from USAA. I spoke to a USAA representative I believe the name was XXXX last XX/XX/XXXX of XXXX. They mentioned the call maybe monitored or recorded so if I will request for you to take a look for the voice recorder and you will find a proof of evidence aside from the attached document I provided here. When the agreement mentioned and I agreed upon last XXXX XXXX I started paying {$55.00} on XXXX XXXX and the upcoming months it will be {$75.00} starting XX/XX/XXXX until XX/XX/XXXX and my last payment should be on XX/XX/XXXX. I called the USAA again last XXXX or XXXX for me to double check and I am excited because finally I will be out of debt from USAA but unfortunately they mentioned I still owe of {$650.00} and because of this scenario USAA put a {$730.00} amount definitely I DON'T AGREE with that esp when I spoke to a representative and I make sure no hidden charges or I will be done by XXXX of XXXX and he made sure that I will be done by XXXX and suddenly not. I was deceived and my credit score were affected so badly so I demand for a dispute for this and fix my credit score nor credit report and the balance I owe which should be about {$210.00} only and I demand as well for a debt free from USAA. 

I am looking forward to hear from you and fix that needs to be fixed. Thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: SC

Complaint narrative:
After reviewing my credit profile, I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I received a response in mail by TransUnion XX/XX/XXXX stating the account was verified, but I did not received any documents to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd verification letter asking for complete list of all documents and correspondence with XXXX XXXX, including all names of employees that TransUnion spoke with as part of the investigation. I received the same letter that was sent out by TransUnion on XX/XX/XXXX stating the account was verified, again no documents showing this account belongs to me just another template letter. The account is still reflecting on my report and the account do not belong to me.I have whited out my information on the letters i sent and also whited out my file number from the verified template letter TransUnion sent and attached.

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 2019-02-11 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: PA

Complaint narrative:
We have attempted to resolve a billing dispute with Chase and Chase is not protecting me as the consumer under the Fair Credit Billing Act for a lack of service provided by an entity called XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$8300.00}, charged on XX/XX/XXXX. This has been under active dispute with Chase since XX/XX/XXXX after we had problems with the merchant providing contracted services. Chase is sending me letters informing me they are unable to asssit, claiming I did not provide documentaion, which is absolutely NOT true as I responded multiple times via their secure messaging and fax. Additionally, they claim to have called me three times yet I never once received a voicemail from them and on much of my correspondance I provided my personal cell phone number asking to be contacted. I have tried to work with Chase executive offices and they continue to distort the truth about my responsiveness and their resolution procedures. 

Here is what happened with XXXX XXXX XXXX XXXX XXXX : We hired this company to broker our coast to coast move. They advertise that they are a moving broker for vetted, # 1 Rated, top moving companies. I can provide all the pictures and documentation but we did not get paired with a moving company. We received home depot parking lot day laborers without any experience moving at all. WE encountered tons of broken items due to their lack of experience. Additionally, one of the workers was a convicted felon, the other drinking alcohol on the job and the third so hungover he vomited all over my backyard. We did not sign off on our bill of lading inventory because we have over 50 boxes which are unaccounted for. The problems with this unethical and fraudulent business are all documented in my 20 page dispute submitted to Chase but essentially they are not a legitimate business and are frauduently doing business as a " moving broker ''. I expected Chase to protect the $ XXXX of my $ XXXX total bill by consumer protection and have been let down by their lack of quality review of disputes, their horrible resolution process and their delays, lack of communication, which they then falsely claim is the consumers fault for not responding. I can happily provide you my claim documetnation and pictures and the FOUR executive office letters I have now sent to Chase to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
I was drove to hospital in ambulance for XXXX XXXX reasons. There was a lapse in my insurance and they cant the insurance because I didnt have it at the time. There was like a month or two lapse. The bill was around {$4000.00} I cant really pay that Im on a fixed Income. Im on 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 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NH

Complaint narrative:
I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: RI

Complaint narrative:
On XXXX XXXX2018 I received an email from a person named XXXX XXXX stating that they wanted to buy two party dresses I had for sale on a website called XXXX. I was asked how much money I wanted for the two dresses and gave the amount of {$130.00}. I was also asked for my name and my address to send a check to. I was told that I could be met in person in a public place for these items to be picked up. After this, I had not heard from this person except for multiple excuses for why this item was not purchased and why the check was not sent out. On XX/XX/, 2018 I received  a check in the mail from an XXXX XXXX from XXXX XXXX, Kentucky. The cashier 's check was made out to my name, but the check came from XXXX XXXX for XXXX. The check is coming out of an account from PNC Bank in Illinois, This was a lot more than the {$130.00} I asked for. When I emailed XXXX to tell him I received the check, he told me movers would be coming for this item and I would be paying for them to come move these items. They wanted {$500.00} in XXXX gift cards. At this time, my bank- XXXX XXXX told me the check was fraudulent because there was no such person and no account from PNC Bank XXXX and bounced in my bank account. As a result, my bank account is closed until I can make a payment. Since I can not make any payments on my checking account and credit cards, my credit card minimum payments have skyrocketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I went to where I bank locally to open an Health Savings Account. I wanted to move my HSA account from " XXXX XXXX '' ( a division of Webster Bank, N.A., located in XXXX, Wisconsin ), because local banking is more convenient for me and their customer service is great.

A financial customer service officer at my local bank opened an HSA account for me and also prepared and submitted online all the necessary documents to transfer my account from XXXX XXXX on XX/XX/XXXX. Also, to ensure the process of transferring my account from XXXX XXXX was underway, the local bank financial officer and I called XXXX XXXX to confirm they had received my request. XXXX XXXX confirmed that they had, then immediately expressed strong opposition to moving my money, wanting to know why and trying to convince me I should stay with them. I let XXXX XXXX know that I was not going to stay with them, period. XXXX seemed to begrudgingly " accept '' hat I wanted to move my money. When I asked how long it would take to transfer my account they stated it would be finalized within 6-8 weeks from the date of receipt ( XX/XX/XXXX ). 

XX/XX/XXXX was the 8 week period XXXX XXXX declared was the maximum time frame needed to finalize the transfer, and yet by this date it had still not happened. 

On XX/XX/XXXX, I called my local bank wondering what else, if anything, needed to be done on their part or mine to make this transaction happen. My local bank said all they could do was wait, but that I should give XXXX XXXX a call to find out what to hold up was. 

I called XXXX XXXX on Friday, XX/XX/XXXX. Their customer service rep. confirmed they had received the request XX/XX/XXXX, confirmed it was well past the maximum 8 week period, additionally confirmed that nothing had been done on their end. The rep. said they would expedite my request and call me back no later than Wednesday, XX/XX/XXXX to confirm that they had completed the transaction. I received no call back. 

I called XXXX XXXX again on Friday, XX/XX/XXXX. I spoke with the SAME rep. who had promised to make everything happen and call me back on XX/XX/XXXX. They aknowledged they had not followed through, apologized multiple times and stated they would " make it happen today! and call me back to let me know they had taken care of it. '' Again, I received no call back. 

As of today, XX/XX/XXXX, it's been 12 WEEKS and XXXX XXXX has still not transferred my account! 

P.S. You should check out online consumer reviews that have been posted about XXXX XXXX. Apparently what I've run into, and even more types of bad behavior!, have been experienced by countless other people. An absolute mountain of TERRIBLE treatment of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11 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: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
Santander is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is preventing me from submitting a dispute regarding outdated accounts that need to be removed from my credit report. In addition, there are two hard inquiries on my report that are not disputable online and need to be removed from my credit report. They are the following : XXXX XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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 2019-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX ) for unknown account at XXXX XXXX XXXX and Syncrony Bank ( Belk ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to XXXX XXXX XXXX and XXXX Bank ( Belk ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.

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 2019-02-11 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: NY

Complaint narrative:
I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.

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 2019-02-11 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: NY

Complaint narrative:
I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing XXXX XXXX for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate XXXX XXXX XXXX process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 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: NY

Complaint narrative:
I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.

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 2019-02-11 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: GA

Complaint narrative:
I have inquiry 1 inquiry from XXXX reporting to my XXXX   report and i I have 2 inquiries from XXXX reporting to my Equifax and 1 inquiry from XXXX XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.

Company response to consumer: Closed with explanation