vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MN

Complaint narrative:
I applied to have my PMI removed from my loan from Home Point Financial in XX/XX/2020. To do this I needed to have my home valued at greater than " {$480000.00} to reach the required LTV of 75 % '' and thus would meet the requirement for PMI removal.

The company hired a person to do a BPO and his analysis ( price per sq foot ) suggested my house was worth $ XXXX. But then, wrote a value of $ XXXX, with no explanation of the lower value and no support for it. His report also had numerous errors such as having my sq footage at XXXX when its XXXX. 

My state assessor also assessed my home at a value of $ XXXX. I also provided 5 additional comps that showed my house value was above $ XXXX threshold to remove my PMI. 

I shared this information with homepoint financial and appealed the $ XXXX value which had no comps/evidence to support. They refused by appeal ( XX/XX/2020 ). I tried to call them to speak about this and they refused to speak to me and only referred me to an email address which I tried multiple times and was not successful in getting a response. 


It seems they are deliberately refusing to remove my PMI. The person they hired for the BPO came up with a value with no support, and it seems this was done intentionally so I would not meet the PMI threshold. The comps in the BPO report price per sq foot shows my home meets the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MD

Complaint narrative:
I checked my credit report this morning and to my surprise i dropped 19 points because this company added a collection account to my report. Firstly, I know nothing about this account, I have never had a contract with this company. I was the victim of identity theft I've had to file police reports and even had fraud alert added to my credit reports. I am very upset about this because I am in the middle of buying a home and this has completely set me back due to false claims and no proof sent to me regarding the contract I signed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020 mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020 mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these  fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
A request for verification/validation was made approximately XX/XX/2020. Consumer received nothing until approximately XX/XX/2020 by first class mail. Not only was the information received late, the information provided failed to include the address of the alleged original creditor. In addition, very personal information was included such as the last four of my social security number and my full date of birth. This information is used in personal transactions to identify myself ( personal identifying information ) and should have been masked to prevent abuse and misuse if the wrong party received it, which could be detrimental in almost every area of my life. Also, it appears that there was a violation of HIPPA laws. My right to privacy has been violated and XXXX and Cascade Capital , LLC, failed to take necessary steps to protect information deemed personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
I noticed the collection item noted on my account from a creditor I don'y remember and not be a medical facility in the last 6 months.I tried calling at that number but did not get an response.At this time I feel this is a debt due to identity theft plus I am not not able to understand why i don't get nay response and this has ruined my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
I have tried to get a response on the Chapter XXXX that is on my credit report with no response

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 2020-06-17 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: TN

Complaint narrative:
I would like to file a complaint against Equifax. I called them on XX/XX/XXXX to place a fraud alert on my credit file because I noticed an inquiry that was from XXXX  XXXX that I did not authorize. I followed up by sending them a letter on XX/XX/XXXX ( proof of letter sent and ate received in the attached documents ) that they received XX/XX/XXXX. The letter asked that they verify and delete this inquiry. They responded on XX/XX/XXXX online myequifax.com ( which I can no longer see the results ) stating that they verified and the inquiry belongs to me but sent no proof of verification. I sent my 2nd letter on XX/XX/XXXX asking them again to please remove XXXX XXXX, XXXX XXXX and 2 XXXX  inquiries. ( They received the letter on XX/XX/XXXX proof in attachments ) They responded on XX/XX/XXXX with the attached letter asking that I send another letter to : Equifax Information Services, LLC XXXX. XXXX   XXXX XXXX, GA XXXX and Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Which I sent out on XX/XX/XXXX. ( Attachment includes copies of letters ) Asking them to verify and please send me the name, address and phone number of the persons ' that spoke with to verify these inquires XXXX XXXX and XXXX. They received the letter on XX/XX/XXXX. On XX/XX/XXXX they sent out a letter stating " Inquiries are factual record of file access. '' With no proof of verification. These inquires have been deleted from both XXXX and XXXX  because they do not belong to me. 

XXXX XXXX XX/XX/20 and XXXX XX/XX/20 and XX/XX/20. 

I take pride in have a good credit score and keeping my credit report clean and Equifax is violating my rights as a consumer to correct information on my credit report that does not belong to me. Please have them remove it or send me actual proof that these accounts belong on my report. 

Thank you, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
Sierra Pacific Mortgage withholding surplus funds due 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 2020-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: NV

Complaint narrative:
I reached out to the CFPB to file a complaint in XXXX. The complaint was with regards to Flagship Credit Acceptance not providing fair, transparent services and with regards to their refusal to assist with a deferral of the monthly payment as they claim to do, during the COVID19 pandemic. 

With the assistance of the CFPB, Flagship Credit Acceptance responded saying they will defer the payment XXXX monthly payment being ~ {$600.00} XXXX until XXXX. 

Flagship credit acceptance have now been calling, sending messages and emails attempting to collect a ~ {$1800.00} payment, saying that my account is over 40 days delinquent. Not only does this not constitute any assistance during the pandemic to a small business owner who has reached out for assistance but it establishes fraudulent communication tactics and misinformation to create fear and panic with the lenders who are doing their best to make ends meet and meet their financial obligations.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I received two separate emails from citi that my credit card limit had been lowered. I have two credit cards with this bank ( One email per card ). The first email stated " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4100.00}. Your current account balance is {$3900.00} '' The original limit on this card had been {$4600.00}. They lowered it down to where I was only about {$100.00} away from going over the limit. 

The other email stated : " Dear xxxxx, There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$900.00}. Your current account balance is {$870.00} '' The original limit on this card had been {$2000.00}. They lowered it down to where I was only about {$25.00} away from going over the limit. '' I have never had an account where my credit limit was lowered by a creditor and lowered to where it's within {$25.00} - {$100.00} from the limit. There have been no drastic changes to my credit history that would warrant them to do this. All payments to citi have been made on time. This is a sleezy and unfair move made by citi and will affect my credit. I will be closing my account with them after they're fully paid within a couple months.

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 2020-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
NewDay USA Issues timeline : 1. Promised to close in about 2 weeks XXXX XXXXBasic numerals to close provided. 
2. Up to XX/XX/XXXX many attempts to contact email, voicemails etc ( little response ) 3. Around XX/XX/XXXX after numerous attempts to make contact the Assistant Vice President Loan Origination tells me that the previous employee was fired. 
4. Now requests to unfreeze my credit so he can pull a 2nd credit report?

5. Said he was going to handle the issue personally, about a week or two later then requested again my credit be unfrozen ( 3rd time ).

6. At this point I also requested my loan numbers as I had little faith in what was going on and they were going to buy done points ( etc ) I just just wanted the current/simple numbers as my trust in them was going down with every interaction.

7. No response for over a week and on XXXX almost 2 moths later the numbers were approximately 10/12k higher than first quoted.

8. On XXXX ( Friday ) left a message that I should be his first call on Monday to explain the delta between the two quotes. Assistant Vice President Loan Origination 9. OnXX/XX/XXXX he finally got back with me well over a work week. ( Insanely ) I explained to him that I no longer needed his services and already started a new loan with another company. This company was .25 % lower rate and 10k more cost effective ( basically what I was promised ) by them at the beginning. I already have a closing date and completed my appraisal and everything else ( in a week Ill add ).

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 2020-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to get a response on the Chapter XXXX that is on my credit report with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to get a response on the Chapter XXXX that is on my credit report with no response

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 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
on XX/XX/2020 Moneylion llc admitted that i made payment but reported that i have missed consistent payments with 120days late showing on my credit report i would like the error removed and full account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Being reported as being with Capital One since XXXX. The account was with XXXX until XXXX. 
When I received a notice that the account was with Capital One, I called about receiving my new card and was asked about paying a balance from XXXX. I was unsure why there was a balance and the representative I spoke with discussed charges with me including interest, late fees, and unpaid balance totaling over {$30.00}. I informed them of my previous payment and the call center agent said she reset the grace period, reset payment history and interest fees are waived. She also informed me that those changes would reflect in the system in the next 1-2 billing cycles ; and the past due status would be updated in 72 hours ; and the credit bureaus would reflect the changes in 2-3 days. I was given Confirmation # XXXX. 
I checked my credit report frequently but did not follow up since she mentioned the account itself would take 1-2 billing cycles before changes showed. However, in XXXX, I called back in to see why the balance changed, but the 30 day late showed on my credit report. I was then informed that no late payments showed. I then spoke to a supervisor in the credit reporting department and was told it was not Captial One who was reporting a 30 day late payment, it was XXXX. I finally followed up with both Capital One and XXXX XXXX  and XXXX XXXX  stated they do not have any records of my account any longer and are not reporting anything. Once I pulled credit reports from all three bureaus, I see that it is in fact Capital One reporting a late payment. 
Not only had I not received a card from Capital One yet for the late payment they are reporting, but I was also told the 30 day late status was removed over 7 months ago. I have over a dozen accounts on my credit report with as much as a 10 year history and this is the only one reflecting a non-payment or late payment. When I disputed this directly with XXXX, they immediately resolved the dispute as confirmed without an actual investigation. I looked up my dispute number since I hadn't received a notice that the dispute was updated and noticed that the account was marked as resolved on XX/XX/XXXX even though I disputed it online XX/XX/XXXX at XXXX central time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am unable to access my credit score or credit report on any website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The company is used to determine line of credit and their credit score model does not update. Since covid 19 there has been no updates to any ones score especially mines. This is a violation of our rights as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref :  Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX  XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX  MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSURE As the pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 
Since XXXX, our property has being victim of three ( 3 ) WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd )  WrongfulForeclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the ACE XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release.The XXXX XXXX request SPS to dismiss the Wrongful Foreclosure case # XXXX and releaseproperty XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: N26 Inc.
State: FL

Complaint narrative:
N26 PREPAID CARD HAS SUSPENDED MY ACCOUNT, STATING THAT MY ACCOUNT IS UNDER REVIEW RIGHT AFTER RECEIVING MY DIRECT DEPOSIT!!! IF MY ACCOUNT WAS UNDER REVIEW NO MONEY SHOULD HAVE BEEN ACCEPTED INTO THE ACCOUNT FOR THEM TO HOLD. NOW I HAVE NO MEANS OF LIVING AS THIS IS MY EMPLOYMENT INCOME. THEY ARE REFUSING TO GIVE ME A GIVEN TIME FRAME AND IS BASICALLY TELLING THERE IS NO SET AMOUNT OF TIME FOR ME TO RECEIVE MY FUNDS, THEY ARE NOT EVEN OFFERING THE ACCOUNT TO BE CLOSED AND I RECEIVE MU REFUND BY CHECK. THIS IS ROBBERY AND IT HAS BEEN ENTIRELY TOO LONG WITHOUT A RESPONSE AND IT ALSO TAKES UP TO 2 WEEKS FOR MY DIRECT DEOSIT INFORMATION TO UPDATE WHICH MEANS IT CAN BE ANOTHER LOST CHECK. WHAT THIS COMPANY IS DOING IS ILLEGAL AND THEY ARE ATTEMPTING TO SHOW MONEY. PLEASE PROVIDE A EXACT TIME FRAME FOR REVIEW OR SEND ME MONEY.

Company response to consumer: Closed with explanation