vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have requested in writing to Carrington Mortgage that my PMI be removed from my loan. 
My balance is less than 78 percent of the original value of my home. and about 45 % less than the current value of my home. There is no reason for me to still be paying the PMI charge each month. Carrington Mortgage does not automatically terminate PMI on the date when your principal balance is scheduled to reach 78 %. My loan is up to date and the PMI should be terminated. 

The Consumer Financial Protection Bureau states : Automatic PMI termination Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX, we refinanced a home equity line of credit ( HELOC ) with Branch Bank & Trust XXXX XXXX, VA, XXXX XXXX ( BB & T ). For whatever reason, BB & T failed to record the refinanced lien as satisfied, which is required by Virginia law. In XX/XX/XXXX, we placed our home for sale. When a title search was requested, we were informed that there was an unsatisfied lien against the property. We also learned that we were entitled to payment of a {$500.00} penalty from the bank under the provisions of Virginia Statutes Section 55-66.3. In XX/XX/XXXX, we submitted our claim for this penalty through a BB & T branch in XXXX XXXX, NC which is closest to our new residence. On XX/XX/XXXX, we received a letter from BB & T denying the claim on the basis that the statute of limitations had expired. We totally disagree. We maintain that the statute of limitations did not begin to run until BB & T ceased to be delinquent in the release of the lien, which occurred 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 explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Checked my credit profile and seen this account by CREDENCE RESOURCE MANA In the amount of {$2800.00} with and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: NC

Complaint narrative:
I have submitted 4 disputes to Equifax and XXXX  for reporting inaccurate information my credit report. However, XXXX XXXX is a third party company who sent me a bill stating I owe XXXX XXXX XXXX for {$300.00} ; but Equifax and XXXX is reporting I owe {$300.00}. I have sent dispute letters to both credit bureaus to update or remove the inaccurate accounts in XXXX, XXXX, XXXX, and XXXX ; but both have failed to investigate this matter. This has caused my credit score to decrease tremendously and have caused me to be denied credit from other creditors. I have also reached out to XXXX XXXX to validate this debt but they only keep sending me a copy of the bill. I do not recall having this matter or visiting that office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, Equifax and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, Experian, XXXX  and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.

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 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account stated is not mine as purported by this company JEFFERSON CAPITAL SYST in the amount of {$780.00} with account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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:
Equifax ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
WAKEFIELD & ASSOCIATES is a company that appeared on my credit report that im not familiar with that put a Debt on my credit file in the amount of {$730.00} with an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My refinance escrow closed on XX/XX/XXXX and the escrow company ( XXXX XXXX XXXX, XXXX ) paid the first half XX/XX/XXXX-XX/XX/XXXX property taxes through the escrow process. This has been verified by a phone call to the XXXX County Tax Collector  as well as a visit to their office. The escrow company collected {$360.00} for prepaid interest ( {$17.00} per day from XX/XX/XXXX to XX/XX/XXXX ). They also collected impounds of {$210.00} for homeowners insurance for 4 months and property taxes of {$110.00} for 5 months property taxes for a total of {$590.00}, but show an aggregate adjustment of {$410.00} for some reason, which leaves a total of {$390.00} that went to PHH Mortgage company for my impound account and shows that total on my first statement from them ( dated XX/XX/XXXX ). I made the first payment of {$910.00}, mailed XX/XX/XXXX ( and received and processed XX/XX/XXXX ) which includes {$170.00} for escrow and the rest for principal and interest. I received my next statement from PHH dated XX/XX/XXXX, showing impounds now at {$560.00}. It also showed a payment to the XXXX County Tax Collector in the amount of {$730.00} from PHH on XX/XX/XXXX. My next correspondence from PHH was " Your Initial Escrow Statement '' dated XX/XX/XXXX indicating I had a shortage of {$720.00} and if I didn't pay the shortage, my payment would increase to {$930.00} on XX/XX/XXXX. I immediately called them and spoke to them and they directed me to their tax collection department XX/XX/XXXX informing of the error and they instructed me to fax all my information to them ( at XXXX ), which I know they received because they had my last name wrong and that was included in the fax and they have since corrected it ( as per the PHH letter later XX/XX/XXXX, that only spoke to correcting the spelling of my last name ). I even included a copy of the XXXX County tax bill which showed the first half taxes were paid XX/XX/XXXX through the escrow company. No response on the tax payment issue. I paid the next payment of {$910.00}, received and processed by PHH on XX/XX/XXXX. The next correspondence I received from PHH was my monthly mortgage statement dated XX/XX/XXXX which shows an impound balance of {$9.00}. I went to the XXXX County Tax Collector 's office on XX/XX/XXXX and the only payment showing on my property taxes were the {$730.00} sent in by the XXXX XXXX XXXX. So where are my impounds PHH supposedly sent to the XXXX County Tax Collector? I overnighted a letter again to PHH to their office in XXXX, NJ, received and signed by them on XX/XX/XXXX and have not received a response from them. I am having trouble scanning documents to the size you have allotted, but can send later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of XXXX, XXXX, and TransUnion. 

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency. 

Please help me correct these reportings. I was behind in my payments in XXXX due to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due. 

XXXX does not respond and just sends form letters and adds comments stating verified by grantor.

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 2020-01-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of XXXX, Experian, and XXXX. 

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency. 

Please help me correct these reportings. I was behind in my payments in XXXX due to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due. 

XXXX does not respond and just sends form letters and adds comments stating verified by grantor.

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 2020-01-16 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit 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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit 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 non-monetary relief
Consumer complaint received 2020-01-16 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT DOES NOT BELONG TO ME AND IT SHOULD NOT BE ON MY CREDIT. I HAVE NO IDEA OF WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO ME. THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS AND IT HAS ALSO BECOME A BLOCKAGE IN MY LIFE. I HAVE A LOT THAT I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT 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 2020-01-16 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: FL

Complaint narrative:
Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.

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 2020-01-16 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: FL

Complaint narrative:
There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on Equifax with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I signed up for Citibank 's " {$400.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via their promotional " Apply Now '' link on Citibank 's landing page on XX/XX/XXXX. 
The XXXX deposit minimum within 30 days was met on XX/XX/XXXX. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days has been met. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account.

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 2020-01-16 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: FL

Complaint narrative:
I did not Authorize this account. someone has stolen my identity. 
This is a Fraud Account

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 2020-01-16 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: FL

Complaint narrative:
Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX  which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.

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 2020-01-16 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: FL

Complaint narrative:
Good afternoon, I feel my information has been compromised either online or by the Equifax data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCHRONY BANK ATT : FRAUD DEPARTMEN/XXXX XXXX XXXX XXXX  XXXX OH XXXX REF : XXXX ( PREVIOUS DISPUTED CARD ) ACCOUNT : XXXX My name is XXXX XXXX XXXX I contacted you on XXXX XX/XX/XXXX regarding an account ( XXXX ) that I did not apply neither I use for purchases. I found out that this account exists when I checked my credit report and the score was low. I notified you right way. Your department started the investigation. I received a letter stating that you were unable to approve the claim. 
I have never applied on line and I have never purchased anything. I have never received anything to my address that I live for the past 2 years. I have never made any payments on this account. 
I need your department 1.- to verify the online application and where that credit card was delivered.

2- Where the payments are coming from?

3- If you see the transactions that you provide on the Fraud Investigation form is all purchases are from the same provider XXXX ON THE SAME DATE XX/XX/XXXX ( THAT SHOULD BE A SUSPICIONS ACTIVITY ON YOUR MONITORING ). ON XX/XX/XXXX XXXX  ( ANOTHER FLOWER COMPANY ). THIS IS ENOUGH PROOF OF FRADULENT ACTIVITY. 
4- I have never received any statements until couple days ago XX/XX/XXXX on. 
I need your department to re do the investigation and get to the bottom of this fraud. I need to remove all the accounts from your system and remove them from my credit report. 
I am cc the Consumer Financial Protection Bureau as well as the Three Main Bureaus.

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