vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: GA

Complaint narrative:
On several occasions starting in XXXX of 2018, after settling accounts with several companies, I requested thru certified mailing via U.S. Postal Service that XXXX, Experian, and XXXX  delete negative or derogatory remarks and account status on these specific accounts because per Federal codes Sec. 609 ( a ) ( 1 ) ( A ) ; Sec. 611 ( a ) ( 1 ) ( A ) ; and Sec. 611 ( 50 ( A ) " ... promptly DELETE ALL information which can not be verified ''. Several requests for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX to validate and/or verify its alleged debt against claimant, which ALL companies failed to do so. Thus, since they have ALL been properly and legally compensated for any debts alleged against claimant on more than one occasion, ALL derogatory and/or negative remarks or statuses regarding previous accounts with claimant MUST per federal law be deleted immediately by ALL credit reporting agencies. XXXX, Experian, and XXXX refuse to delete the negative remarks and account statuses which are hurting the claimant and preventing him from the pursuit of peace, happiness, and stablility for him and his family.

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 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My wife and I bought a second home in XX/XX/2018 with the intent to use it as an investment property. We were told by XXXX XXXX ( Loan officer with USAA NMLS ID XXXX, Manager : XXXX XXXX XXXX | NMLS ID XXXX ) prior to closing that we would have to pay PMI until reaching an LTV ratio of 80 %. We are very close to that 80 % point now and when we inquired with XXXX, the company that services the loan, about the process of removing PMI they stated that due to this loan being for an investment property it would instead require an LTV of 65 % for PMI removal based on XXXX XXXX 's guidelines. However prior to closing, USAA provided us with documents stating that we were taking a CONVENTIONAL loan and gave us documentation implying that PMI would be paid off much sooner. When I called XXXX XXXX to discuss this she again claimed that the loan was a conventional loan and that the LTV ratio was 80 % for PMI, in stark contradiction to what we are being told by XXXX. We have asked XXXX/USAA for documentation to support PMI terms of the loan prior to closing however they have not provided any response. Based on the documents that we were provided ( see attached disclosure ) prior to closing, USAA states we are taking out a CONVENTIONAL LOAN with PMI LTV ratio of 80 %. WE CLOSED UNDER THOSE TERMS and now we are faced with a huge financial penalty of ( thousands of dollars ) in the form of previously undisclosed PMI. While we are understanding XXXX XXXX 's policies regarding PMI for investment property, we were told something very different by USAA. We are concerned that USAA 's actions constitute a misleading, predatory practice by the loan originator to funnel customers towards loans with higher PMI. It feels like a 'bait and switch ' scam where we are quoted on set of terms only to find out later that those terms are completely false.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: AL

Complaint narrative:
Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 60 days past due for XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I went to Santander Bank At XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2019 at XXXX XXXX   to deposit {$160.00} that I had in change. {$140.00} of it was rolled plus I had a dollar coin the rest was loose quarters pennies nickels and dimes but not enough to make a complete rolls I was told that they wouldnt take any of the change because it wasnt rolled even though there wasnt enough to make a roll I told him I find it hard to believe that the bank wont except the money and they told me it was just their policy they did however decide to take just the quarters in the dollar coin making my deposit {$150.00} but wouldnt Except the other {$5.00} and loose change I am really mad that my own personal bank would not take my money as I needed the money to be deposited because I am low on funds they told me it was their policy

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 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AZ

Complaint narrative:
Arvest Central Mortgage - On XX/XX/XXXX I logged into my online mortgage account with Arvest Central mortgage and noticed my monthly payment amount had increased from {$1600.00} per month to {$1700.00}. This was a shock to me, since originating my loan in XX/XX/XXXX, and since the loan had been placed with Arvest in XX/XX/XXXX my payment has not changed. 

I contacted Arvest and was told there was a lapse in my home owners insurance, as well as an escrow shortage of {$1000.00}. I have no idea why this would be, i have not changed or authorized change on my home insurance ( haven't even contacted them ) or anything else to do with my mortgage/payment since i got the loan. It is my understanding that the monthly payment covers your principal and interest, insurance and taxes ... and that a certain portion is put into an escrow account every month to be disbursed properly throughout the year when items are due ( taxes and insurance ). 

I explained what i understood to Arvest, and requested that they look into why the shortage/lapse occurred .... and advised all i want to know is why my payment increased so much. I made this request on XX/XX/XXXX, and as of today XX/XX/XXXX there has been no resolution, no clear explanation, and certainly no urgency in assisting their customer with something that simply doesn't add up. I do understand payments can increase based on taxes going up, but this doesnt justify {$100.00} increase per month. The difference in the payment seems to be the {$1000.00} from the escrow shortage that they are now trying to recoup through my monthly payment, but why was there a shortage to begin with, nothing changed? 

As im sure whoever is reading this can tell, I'm confused and frustrated. Hopefully the CFPB can help me identify what happened, or get me in contact with someone at Arvest who truly intends to help me. 

I spoke with my insurance company, title company from when i originated the loan, and the original loan company. All indications that I've received point back to Arvest being the responsible party, and the {$1000.00} shortage being caused my some mistake Arvest made. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email from Bank of America offering {$300.00} if I ( 1 ) opened a checking account before XX/XX/XXXX, and ( 2 ) set up and receive direct deposits totaling {$4000.00} or more within 90 days of opening my checking account. 

I opened the account in the second week of XXXX, well before the deadline, using the link provided in the email. By XX/XX/XXXX, I had already received over {$4000.00} in direct deposits from my employer, which continued into XXXX. 

The terms in the email I received specifically state, " After you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. '' I have waited several weeks past the 60-day mark, and I have still not received the promotional {$300.00}. 

I have called Bank of America twice to inquire. The first time, I was told to wait a few more weeks. The second time, I was told that they could not find this promotion on my account, and transferred me to the " XXXX XXXX XXXX. '' However, this hotline transferred me back to standard customer service. I was unable to reach anyone at Bank of America who would resolve 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 monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MI

Complaint narrative:
Good Afternoon, I am trying to find out whom the best person/bureau for me to contact regarding a financial dispute. I took out a Direct Parent Loan for my daughter in XXXX in the amount of {$9500.00} at 7.21 % interest. I have made the monthly payments of $ 75-100 ever since XXXX and requested on each check that the overpayments amount be applied to principal amount. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX ( remove " Pay a head '' terms ),  XX/XX/XXXX ), regarding the balance and how payments were being applied, they keep stating they would escalate, review and get back to me. It looks like they added another {$740.00} of INT Capitlztn, which if you take XXXX7.21 % that equals {$680.00}. It also looks like they changed the terms at some point. 
My recent review on my credit report shows a balance of {$9300.00} still being owed?! I am not sure how this could be possible with such a low interest rate and consistent payments being made on-time and even during times when the loan is deferred ( because she is now in XXXX school ), I am still making the payments but the balance isnt going down??.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: NJ

Complaint narrative:
My Student loans have been forgiven, but they show as in default and my credit score is in the 500 's. I was told my credit score would go up once they were forgiven but they are still showing on my credit report as " delinquent '' or " default '' and I am trying to obtain a mortgage and currently can not because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: NJ

Complaint narrative:
My Student loans have been forgiven, but they show as in default and my credit score is in the 500 's. I was told my credit score would go up once they were forgiven but they are still showing on my credit report as " delinquent '' or " default '' and I am trying to obtain a mortgage and currently can not because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am disputing the foreclosure date or XX/XX/2019 by Select Portfolio Servcing. 
I have asked for specfic information on this loan from them multiple times and have not received the information that I need to make an informed decision on what I need to do with my property and my situation. 
There are 2 open disputes on this loan number XXXX disputing the Trust that my loan is a part of. I have spoken with the ombudsmen department multiple times about extending the foreclosure date and as of today they refuse to do so. I even had one representative from the Ombudsman department tell me it would be illegal for them to foreclose on the property with an open dispute on it. Yet they still seem to be intent on doing so. 
I have tried multiple times to get a clear answer from them on my situation and they openly tell me they know nothing about the XXXX XXXX XXXXXXXX XXXX XXXX other than who owns it. I need more information on that to help me with my situation and to give me piece of mind that my money is going where it's supposed to. 
Again I demand they give me the information I need and that this foreclosure date set for XX/XX/2019, is postponed based on the fact that there is information, that they as the collecting party should have yet they are now giving me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, Capital One Financial, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have contacted Experian by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Experian to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.

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 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On around XX/XX/XXXX -XX/XX/2019. I discovered a former tenant stole my debit/credit card from my purse without me knowing until I went into the branch to take out money and was told over {$940.00} was gone having been spent at XXXX, XXXX, XXXX on gift cards to sell and buy drugs as he was a pain bill addict. While I was at the bank the fraudster was at a store charging at that moment. The teller cancelled the card and I went to the police and reported it asap. The thing is I have never used the card and charged on it. I just use the bank acct for my equity line of credit. I also have been at 5/3 for 20 years. I have a {$200000.00} line of credit. I have never filed a claim. When I called the fraud dept. it was a nightmare getting them to understand. I told them I thought I had the card but after looking for it realized it was gone. Just didn't know who had taken it until I requested the video from a store and the police officer did and we identified the fraudster. Then the police issued a warrant for grand larceny. I sent three police reports as the person charged in 3 different towns. It was very insulting for 5/3 to not credit me immediately and trust me. I appealed it and again they denied me my funds. This could have put me in a very difficult position if I had written checks against this account. My case # is XXXX. My account number at 5/3 is XXXX and the debit card was XXXX. I also asked why they did not have fraud monitoring for unusual spending on a card that HAD NEVER BEEN USED. And the police report was sent to them and the statement where they have issued a warrant. What more do they want. I am furious and would leave if I could. This person also took a XXXX card and spent {$200.00}. XXXX refunded me immediately. NO questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XX/XX/2019,

Seterus transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. Seterus did not indicate that it closed the account because its OWN DECISION.

And Seterus did not report that account was in good standing which it was.

Company response to consumer: Closed with explanation