vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
As of today XX/XX/XXXX, I received US banks response to an issue or complaint report in XX/XX/XXXX. According to US bank, my hazard insurance had an issue with underwriting within 6 weeks of the purchase of my home. I never received any notification from the bank that would allow a prompt fix to the insurance concerns. US bank states the insurance was no longer in effect XX/XX/XXXX. I was not provided an opportunity to address the issue before it got out of hand. US bank, claimed they mailed me letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, prior to them placing forced insurance on my loan in the amount of XXXX. I never received these documentations until today XX/XX/XXXX in a packet provided from the bank that included the insurance Declarations. 

Why if an insurance company has underwriting issues, would the insurance department not reach out to me either by email, phone, or confirmed mail? If the mortgage company acknowledges that there is no hazard insurance on the property on XX/XX/XXXX. How is that it is acceptable to wait 10 months to claim notifications were sent? 

In the packet provided by US bank included said notification ; unfortunately for me, this is the FIRST time I am in receipt of these letters, As well as the Declarations of XXXX XXXX XXXX XXXX. 

US bank failed to provide adequate time to address an issue that was an easy to fix and would have saved me thousands of dollars. The mortgage company requires an up to date phone number and email address. Which they have, so why did they not confirm knowledge of the concerns on the insurance. I am negatively affected by the lack of notification provided by US bank. 

By providing this information today XX/XX/XXXX, does me no justice as I can not go back and fix anything. US bank has failed to service my loan/insurance/escrow/and monthly payments in the manor to which they should have. 

I do not believe I should be held at fault since US bank failed to give me the opportunity to fix the error within a reasonable time frame. 

One thing I am confident is that US bank would call/email/and send letters, if ever I was to miss a payment. SO, why can I not get the same respect on other aspects on my loan.

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 2020-02-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and Transunion for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX  to XXXX XXXX XXXX. Please see attached document. XXXX  has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to Equifax, XXXX and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX XXXXo XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  company reported XXXX XXXX Mortgage past due to XXXX, Experian and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX to XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Keynote Consulting, Inc.
State: IL

Complaint narrative:
I have requested this collection company to validate this debt they were unable to provide adequate validation. This is not a valid debt. I do not owe that company that money and I have also filed a dispute with the credit bureaus at the same time that I was requesting debt validation and they responded to the credit bureaus which is also a violation. I would like to have this account removed from my credit reports because it is not a valid account and I do not owe this money.

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 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
I have been going back and forth providing non stop documents to my lender and I feel like this process will never end. Now after months of being in review they have denied my application because they miscalculated my income by over {$5000.00} dollars. I don't even know where to begin my frustration. They have a sale date for my house in less than 3 weeks and I am just trying to save my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been in contact with XXXX XXXX  and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: QC HOLDINGS INC
State: LA

Complaint narrative:
On XXXX XXXX, 2020 I went into the store 's location : QC Financial Services, Inc ( LendNation ), XXXX XXXX XXXX, XXXX Louisiana XXXX, Phone| ( XXXX ) XXXX, and made a payment of {$350.00} in full and signed the receipt, but the agency claims that I did not make my payment. It is clear that an employee at the agency has taken the money and failed to follow through with the transaction. I have filed a police report with the local Police Department ( XXXX ), and will follow through with the complaint, thoroughly.

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 2020-02-14 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: CA

Complaint narrative:
Equifax Information Services LLC has been notified by me numerous times that they are incorrectly reporting the balance of my child support account of mines by over {$40000.00}. I have provided them all the factual information to verify the correct balance with the Child Support agency, I have provided them legit documentation from the State of  California secure website that stipulates the correct balance and still they refuse to correct this account. I have provided them all documentation they have asked for and went back and forth with them for over one year. In light of the fact i know i am 100 % correct of the balance, i am taking this step as required by law before pursuing legal action in California Superior Court. I have already obtained an Attorney and been advised to take this FINAL step before proceeding with a court of law. I have been denied credit due to this high inaccurate balace, paid higher interest rates and been through emotional distress from creditors who have denied auto loans on my behalf specifically because they say the debt ratio of my equifax credit file is took high ( from equifax reporting the wrong balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Southern Auto Finance Co
State: FL

Complaint narrative:
XX/XX/ 2016 I financed a car through Southern Auto finance company ( safco ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from Safco

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
We purchased a distressed mobile home park in 2018. We planned to purchase the mobile home park with a mortgage with an initial 2-year fixed term with the intention of improving the park and completing a cash-out refinance after the first two years. We discussed this plan with our lender First National Bank. The lender told us at the closing table that they were interested in doing the cash-out refinance after 2 years and said that there would be no prepayment penalty when we refinanced with them. We agreed and completed the sale. After improving the park we began the process of applying for the cash-out refinance. At that point, First National Bank refused to complete the cash-out refinance. We proceeded with another lender. When we received the payoff statement from First National Bank, there was an {$8000.00} prepayment penalty. They provided us with TRID disclosures stating that there would be no prepayment penalty. The only reason we proceeded with this lender is that they told us that they would refinance the park at the two-year mark with no prepayment penalty. They then refused to complete the refinance and then charged us a prepayment penalty. They are contractually entitled to do this, but this is not what we planned and agreed to at the closing table. We would have used another lender if First National Bank had told us that they would not perform the refinance and charge a prepayment penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been in contact with XXXX XXXX and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested multiple times for my address to be corrected, for the addresses where obviously my identity was stolen that's listed to be removed, employment that's on my report to be removed ( I'm not employed ), which all was corrected back in XX/XX/XXXX, but then I received a copy of my report recently XXXX XXXX after disputing some invalid, incorrect erroneous information that was in my public records file! Not only was it not corrected, nor did they send me Verifiable Proof they put more invalid, incorrect information onto my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am a consumer. I sent several certified return receipt Afffidavits Of Truth with Clerk Of Court acknowledgments of the Affidavits and Notary Public. 
1. ) Certified Return XX/XX/XXXX 2. ) Certified Return Receipt XX/XX/XXXX 3. ) Certified Return Receipt XX/XX/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 2020-02-14 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:
I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/ 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On transunion they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from 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 2020-02-14 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: FL

Complaint narrative:
XXXX 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on Equifax it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I paid XXXX down for a car. it didn't exist. my bank gave me my payment from them back. pay pal will not give me my paypal wallet cash back. said I forfeit their portion of my cash because financial institution filed a claim for the partial payment paid by the bank. 

they did this to me in 2018 as well thru XXXX and the XXXX dollars was never given back to me. for services used via identity theft. 
even tho I went through all the bells and whistles trying to get the refund from paypal. even tho google repaid me. it never showed up in my PayPal balance. 

so this is twice paypal has taken.my money I'm a XXXX yr old female. i am also XXXX. i dont get much money anyway. I'm being taken advantage of. 
i need help please.

Company response to consumer: Closed with explanation