vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage is serviced by XXXX XXXX XXXX  - Loancare. I purchased my house in XXXX, have never missed a payment, and have put significant investment into the home, and there has been an increase in overall value in the surrounding area. When I took out the mortgage we only put 10 % down and then invested cash into the home to improve it, so we are paying PMI on our loan. After significant improvements, and the increase in value of comps sold in our area, we requested to have PMI removed in XX/XX/XXXX. After numerous delays and after me calling into their customer service over 10 times, I finally had an appraisal set up through the Mortgage company 's required appraisal company, that we had to pay for personally. 

The appraisal finally took place in XXXX and came in much lower than anticipated, which was obviously a shock to us. Since the number was so much lower than any other comps in our area, I paid another appraisal company to review the appraisal and conduct a new appraisal on the property. That appraisal came back much higher and where we were expecting the first appraisal to be, and the company highlighted numerous errors that submitted on the previous appraisal. 

After submitting the new appraisal to the mortgage company, along with a letter outlining the errors in the appraisal they provided, they are simply not responding and not moving forward with removing the PMI that I have requested in writing no less than 5 occasions over the past 2 months. This leads me to believe they are paying an 'exclusive ' appraisal company to value their properties much lower than their actual values in order to keep forcing their customers to pay PMI, even with loan to value ratios that are above the HPA required 80 %. This is fraud on a widespread level, I'm submitting this complaint to the CFPB in order to demand action be taken, however my next step will be small claims court.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one student loan account is reporting under my equifax credit file, this account was opened with out my knowledge, i have tried to dispute several student loans that did not belong to em,, every single one from all three bureaus since they were inaccurate were removed except this one account ( us dept of education account number XXXX date opened XX/XX/2011 {$750.00} ), i have disputed this account with equifax several times, but ehy have not been helpful. 
please you are my last hope to have this corrected, i will be attaching my FTC report and the police report. please find attached. 
thank you for your cooperation in this matter thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an account that was deleted from XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX,. It was a scam school that was sued in a court of law and this loan was deem illegal and the XXXX XXXX XXXX removed it completely deleted and should have been remove from my credit report years ago. Please validate and remove this account asap it is a error. 609, 623 FRCA 611. please and thank you. My name XXXX XXXX XXXX my DOB XX/XX/XXXX SS 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX  XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME ''  account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened an account with XXXX through Wells Fargo in XX/XX/XXXX. I purchased an item at XXXX and later returned the merchandise. We never received a statement to show they gave me credit for the returned merchandise. They currently show late payments on my credit report. I did a dispute back in XXXX but it came back no change. Then in XX/XX/XXXX I received a letter from Wells Fargo that said they discovered a processing error because they did not have correct address in the system. 

I did another dispute This spring to get credit report to show no late payments. and again Wells Fargo did not change the credit report. 
. 

I have attached the letter from Wells Fargo dated XX/XX/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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransunionisreportinganinacurratelistingofChapterXXXXBankruptcyonmyconsumercreditreport.

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 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I Noticed a collection from XXXX on my credit report i sent a debt validation letter certified mail ( included in this complaint ) and received a printed paper with just an amount owed and the original creditor emergency professional services. I contacted the original creditor via phone and spoke with XXXX on XX/XX/XXXX and asked for the original contract and they do not have it. So how is this debt valid if the original creditor do sent even have paperwork on this debt XXXX says i owe. Also in my dispute letter i asked XXXX for the original contract or anything bearing my signature to prove i actually owe this they did not send it. Since the original creditor do-sent have paper work i asked they remove this item from my credit report or send me something bearing my signature to prove i owe them with all the identity theft going on and with me being a victim of identity theft in the past I will not pay this debt until i receive this information. If this item is not removed i will pursue litigation and sue for XXXX $ for violation of section 809.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
three fraud accounts and inaccurate account are reporting under my equifax credit file. only equifax is the one who is reporting these inaccurate and fraud account under my name, please find attached my police report which shows i was a victim of ID theft at some point and also the FTC report, that i had faxed and mailed to equifax. thank you for your cooperation in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
TRANSWORLD REPEATLY TRIES TO COLLECT DEBT THATS NOT MINE EVEN WHEN THEY REMOVE THIS INACCURATE INFORMATION THEY GO RIGHT BACK AND REPORT AGAIN KNOWING THIS IS NOT MINE THEY DONT CARE JUST CONTINUE TO VOLATE FAIR AND ACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: CORELOGIC INC
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : Credco on XX/XX/2019 Please investigate to ensure there is no fraudulent activity.

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 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/19 I applied for an online checking account with HSBC.  After answering some credit bureau questions my account was denied. We then tried to apply on XX/XX/19 for my mother to open an account and she didn't even make it to the credit bureau questions and she was also denied. We called to ask why this was and we were told that they could not give us any reason why we were denied. We were told to ask for our credit report and see if there were any holds or wrong information. My mother and father just bought a home in the last month so I know that everything with their credit report is fine. We were then told that we also should try to apply from a " desktop PC '' because I was applying from my laptop and it could be that also. 

I just opened a bank account recently with XXXX XXXX and did not have any issue. My mother and I also just opened an account two weeks ago at XXXX XXXX XXXX without a single issue. I use to work in a bank and I know that if the credit report was showing different information we would ask them to bring in additional proof to establish their identity. At neither one of these account openings was that even requested. We opened our accounts with extreme ease. However HSBC is refusing to open any account for us. HSBC is refusing to inform us by phone as to the reason they are denying us and they have failed to inform me by mail as to why they are denying us. So it is literally impossible for me to try to remedy whatever issue they are having with my application. It's as if they simply want to refuse me service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
This debt ensued because of the following : Good morning, The balance in collections are from dates of service XX/XX/XXXX and XX/XX/XXXX. Date of service XX/XX/XXXX was originally paid by XXXX in XXXX of XXXX then recouped in XXXX of XXXX. They are stating that you had other insurance and they did not receive information regarding the other insurance from you. Date of service XX/XX/XXXX was originally paid in XXXX of XXXX then recouped in XXXX of XXXX for the same reason. Please let me know if you have any other questions. 

Thank you, XXXX I contacted the original hospital XXXX XXXX and told them what had happened and asked them to resubmit the claim to XXXX. They failed to do so and instead turned it over to a collection agency. I have tried for the past four months to get the collection agency as well as the hospital to respond to my requests to validate and nothing. It wasn't until I emailed everyday for 3 weeks did they finally respond with the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian/XXXX  is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX   {$2300.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$140.00} I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX and my address is XXXX XXXX XXXX # XXXX, XXXX OH. XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I have been turned down for credit. The letter was from XXXX XXXX. out of California. I have never even heard of this company. To get a copy of my credit from them I am required to send hard copies of my personal information to them by mail or fax. Well that opens me up to identity theft. Who are these people? What happened to XXXX, XXXX & XXXX. Why is it companies can access this information from who knows what company about me but I can not? This isn't the first time I have had problems. Companies can access this information on me in detail in a matter of minutes. They are showing my credit score lower than any of the other credit bureaus. Really? How many more anonymous companies are out there making up junk on me? And they are not even signed up with the Consumer Financial Protection Bureau. Who gives them the right to handle 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 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PenFed Credit Union debited my checking account for {$500.00} on XX/XX/19 and paid my consolidation loan with them and applied to one payment of {$380.00} and paid late fees of {$120.00}. When I called on XX/XX/19 and asked them to refund that money back to the checking account and I would be happy to make arrangements for my hardship for medical family reasons. 
The company refused to refund my money and advised it was part of the loan Note that they could draft another " share '' account when the loan was past due. 
I told them I needed the money returned and I would be happy to make arrangements and apply for the hardship program and pay back the debt, but they still refused.

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 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I'm a XXXX XXXX XXXX  and had two ( 2 ) business checking accounts with Bank of America, and without any give reason Bank of America closed our accounts saying that " After reviewing your bank relationships we have decided to close your account. '' Adding that they did so on the same grounds that we ( I ) could close the account for no stated reason. I was not given a warning of any improper usage or abuse of the account. When called for an explanation they refused to give me any explanation or reasons. They gave me 15 days to stop all transactions on the account. However, having the account funds still available, I can not use the card nor I can a write a check towards the funds available. 
I think this practice is abusive and discriminatory. Please do something.

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 2019-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX/Transunion is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. 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 2019-04-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX 's about the late fee that I was being charged since the first statement, which I never received. The account was opened in XX/XX/XXXX.Payment was made on the account in full through on line banking. Payment posted on XX/XX/XXXX. A/C # XXXX. XXXX XXXX. However there was a late fee which was waived, given this was my first statement that I had not received. This was never corrected despite my attempts. Due to this negative reporting by XXXX 's my Citibank Platinum account was not renewed ( bank refused to send me a new card ). I tried to correct it through the credit bureaus to no avail. I never paid late on any of these accounts. To this date, I still have maintained an automatic payment with CitibankAadvantage.

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 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was answering to an add at XXXX to purchase hay for my animals. XXXX texted me at XXXX that he doesn't have any more hay available, but his friend in Ohio has some he would ship to me. He gave me a quote over {$1300.00} and asked to pay him via XXXX. He texted me from XXXX and told me to use his email XXXX to send the money via XXXX . I have not received a bill, an invoice or a name. The phone is not registered and this email is marked as a scam email. He ceased contact and dies not answer his phone.

Company response to consumer: Closed with explanation