vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Home was purchased in XXXX, mortgage transferred to PNC in ~XXXX. PMI was required with purchase. When outstanding balance was at 79 % of loan I called to get steps to remove PMI. I was told that I had to have an appraisal and other steps to have it removed. Was advised it is automatically removed at 78 % of loan value. 
78 % of loan value ( mortgage XXXX ) is {$120000.00} and was met approximately XX/XX/XXXX. We have continued to pay PMI of XXXX $ XXXX despite excellent payment history. 

We are initiating a refi of the home and received notice that PMI is FINALLY being removed ( currently owe XXXX {$110000.00} ) and that we may be due a refund. According to my calculations that is 69 % of loan value - although like most real estate our home value has increased since purchase. I am simply calculating from our original loan amount not from the current value of the home. 

I called again to request clarity on the refund and expectation that it should be at 78 % value and was informed by the representative that the Homeowner Protection Act is only a guideline and that the investor ( not necessarily the same as the lender ) can create their own guidance. 
This is not my understanding. I am requesting a formal review of this as well as full refund of any moneys paid towards PMI AFTER the required cancellation. Furthermore, I am requesting that PNC review their practices which seemed to be designed to obstruct the homeowners from cancelling PMI. At a minimum PNC needs to provide clear guidance and a simplified process rather than put multiple barriers in place that make it difficult if not impossible to have PMI removed when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: IL

Complaint narrative:
I viewed a copy of my credit report and noticed that a late payment was reported for XX/XX/2021 by Experian for XXXX XXXX XXXX with Account # XXXX, when we were still in XXXX. I was never late in XX/XX/2021, yet the bureau reported a late on my account for XXXX. This reporting is outrageous and very incorrect.

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 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In the last several days on my Transunion report I have had 3 accounts removed because they were fraudulent collection accounts. My score has dropped over 50 points because they took off false information. That is not how things work.

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Hello I have problem with coinbase company about a XXXX  transaction. I tried to contact the company but they don't answer my email and they dont have a number to call. On the XXXX XXXX in my coinbase wallet I sent some XXXX XXXX  from coinbase wallet to my XXXX  Wallet in coinbase.com. the transaction was approved but the funds never arrived. They told me that I cant send swap different currency. So I gently asked them to reverse the transaction but they told that they cant and my money are lost. They value of these funds now is XXXX XXXX 
The transaction hash is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted 605B request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section 605 ( b ). 

Thank you 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 2021-03-11 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: VA

Complaint narrative:
I went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my XXXX and Transunion credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party XXXX XXXX XXXX XXXX, who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with 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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the account FLURISH INC DBA LENDUP and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this negative mark from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX. XX/XX/2020 I noted via my XXXX XXXX credit monitoring account that my XXXX account was all of a sudden being reported with the incorrect amount of years for the account being opened. 

2. I filed a dispute via XXXX XXXX credit monitoring system requesting that the XXXX account open date be corrected to reflect the correct open date 3.Trans Union DELETED the account without investigation. See attached investigation letter solidifying that no effort was made to verify and correct the account with XXXX 4. I contacted Trans Union as to advise I didnt request removal of the account but rather correction and was advised to contact XXXX XXXX. I contacted XXXX who investigated and re-reported the account to all 3 major credit bureaus. 

6. Despite the many attempts of XXXX to get Trans Union to show the reporting on my credit file, they continue to refuse and stating as its reasoning that as a policy they automatically remove because disputed authorized user accounts forever. 

As a consumer, I did not request the account to be removed from my credit file. I simply requested that the erroneous information be corrected. 

This is an account that my parents added me to more than 20 years ago to help establish my credit history and over those years I have maintained a stellar history. 

Trans Union removal of this account as supposed to correction as requested has tanked my score by 23 points because I no longer have the 20 year credit history reporting on my credit reports

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Did an adjustable mortgage in XX/XX/XXXX with XXXX XXXX XXXX XXXX who apparently wasnt licensed at the time to do business. They were not licensed until XX/XX/XXXX 5 months later. ( without my knowledge ) IN XXXX i refinanced with XXXX which should have paid off XXXX XXXX XXXX XXXX ( Until a few years ago I assumed they had been paid ) However apparently XXXX went out of business and never paid off XXXX XXXXt. XXXX seems to tell me they bought lenders direct loans that XXXX was apparently servicing. ( I dont believe that chase bought lenders direct mortgages at all ) even though my mortgage was with XXXX only because of my refinancing. XXXX was fined for trying to say they bought XXXX loans in XXXX. I dont have my HUD records as they were destroyed in a flood at my home. Now XXXX keeps telling me they were only the servicer and XXXX XXXX was the owner of the XXXX XXXX XXXX. Is there a way to find out who really bought XXXX XXXX XXXX XXXX loans even though my loan was done fraudulently without a mortgage license. Im tryng to get to the bottom of this fraudulent mortgage fiasco.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: OH

Complaint narrative:
Rec 'd a Visa Debit Card from U. S. Bank ( U. S. Bank ReliaCard ) on XX/XX/2020. 

On XXXX, called U. S. Bank ReliaCard. They said they would put a block on the card number ( XXXX ). I then went to their www site and completed a form stating that I received a unrequested Visa U. S. Bank debit card with someone else 's name ( XXXX XXXX ) at my address. No one by that name ever lived at my address. I want my address removed from their files.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
Meridian Financial Services posted 4 collection notices on my credit for something I knew nothing about. I called them to get information and they could not give specifics. All I could find out was that it was about some timeshare from 20 years ago. Then they mailed me a letter after I gave them my address to say the claim is valid because it has not been disputed. I turned this over to my attorney and he sent them a registered letter disputing the claims. 

We havent heard anything since. Clearly I did not have the opportunity to dispute before they significantly affected my credit. I am filing a formal complaint in this matter.

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 2021-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank : Primary Mortgage and HELOC XXXX is trying to refinance the Primary Mortgage In order to proceed, a subordination agreement for HELOC with TD Bank is required TD has ( presumably deliberately ) dragged and mishandled the process for 3 months. 

This is costing thousands in rate lock maintenance and higher than market mortgage rate being paid to TD Bank vs. the proposed new mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to JPMCB - CARD SERVICE agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting JPMCB - CARD SERVICE agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, Capital one closed my account with no notice, Despite paying my balance in full every month. This action is now affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
on XX/XX/2021 HSBC restricted my XXXX checking account XXXX without any reason or warning. I have been try to have them remove the restriction by calling XXXX. I do received a monthly income of {$5.00} and my money is frozen with a balance of {$5100.00} on it. I can not pay bill or food or rent. At this point i would like to remove my funds and terminated my relationship with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On my credit files, there's a closed account for XXXX - XXXX XXXX with a balance of {$660.00} and opened on XX/XX/XXXX that doesn't belong to me. I've sent letter disputes to the credit bureaus sometime between XXXX and XX/XX/XXXX and resolution of the matter is either delayed or isn't being worked on. The account is damaging my credit rating and doesn't even belong to me.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2020 I noticed a public record bankruptcy on my transunion report, I disputed this information and within days it came back as verified. I asked for a proper re-investigation into it and proof of who they contacted, who they talked to and how it was verified ( documents, proof with my ssn etc. well it came back again only saying updated never received reasons. So I contacted the court that shows up on the report. They could not locate a record of such under my name and social. So I contacted XXXX witch is a third party reporter for public records. They sent me a document showing it was deleted from my profile. As the other credit bureaus deleted because there are errors which contain a name that is very similar to mine out of 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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Hi, I've had a recurring hit on my credit report and multiple attempts by different debt collectors related to a falsely charged debt with XXXX XXXX XXXX. Seemingly the company kept my name on an account after I had repeatedly attempted to clarify the mistake and the next tenant did nothing to rectify the error. The following tenant was enjoying free services after I had written and called attempting to close these services with XXXX XXXX XXXX multiple times. 

The collection has been thrown out several times by different collectors and continues to make the rounds, this time with IC Systems. I've been working on this for close to a decade with no results and have filed multiple disputes with Transunion.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2021, {$29000.00} walk-in wire at Chase Bank XX/XX/2021, {$3500.00} online wire at Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I C System added a derogatory mark with the amount of XXXX USD on my credit report XXXX, XXXX and XXXX  ( Can be seen from XXXX XXXX as well ). Upon, further research, this account was transferred/sold from XXXX to I C System and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, I C System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.

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