vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: STANDARD MORTGAGE CORPORATION
State: TX

Complaint narrative:
I reached a Loan-to-Value ratio of 78 % back in XX/XX/2022. Since then, Standard Mortgage has continued to charge me for Private Mortgage Insurance, despite the fact that it should be automatically removed once my XXXX reaches 78 %. I continued to be charged every month till now. My current LTV ratio is 73.6 %. 

I have asked them to review my account for PMI removal, but Standard Mortgage makes it difficult to initiate this review by not handling it immediately over the phone and requiring me to send an email. This email, XXXX, is not published anywhere on my online account portal. 

There is a deceptive pie chart on the online portal which tells me that I still have 82 % of the " loan amount '' remaining. This is misleading because it makes it seem like my LTV is 82 %. However, the LTV should be calculated against the value of the home, not the value of my loan after downpayment.

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 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I have auto-debit set up with Mohela that has worked well in the past. On XX/XX/year>, my usual auto-debit payment was withdrawn from my checking account. However, a couple weeks later I got notice from Mohela that my account was Past Due and in Delinquent status. The auto-debit payment was successfully debited from my bank, but did not show in my payment history, not even as Pending or Processing. I called Mohela customer service, it was extremely difficult to get to a human. I had to XXXX " how to get through Mohela phone tree '' to reach an actual rep, which was required in my case because the chatbots could not understand my issue. I waited on hold for about XXXX hours. The customer service rep didn't seem to know what to do, so they said they would start an investigation into this issue. I definitely felt as though customer service did not believe me, even though I said I had a bank statement to prove my claim. I asked for updates about the investigation to be sent to me, and for a way to submit my bank statements. The rep agreed to this. One week later I had heard nothing, so I submitted an email message in Mohela 's internal portal. Another week later, I am here typing this complaint still having heard nothing from Mohela. My bank confirms that the transaction left my account and provided me a trace number. At this point I'm getting Delinquency emails, and my next Mohela payment is about {$500.00} due on XX/XX/XXXX. I turned off auto-debit and am even afraid to pay using Mohela 's system manually, because I can not afford to pay this amount more than once if Mohela loses the payment again. I have lots of documentation I'll be submitting with this complaint. I wish Mohela would address this possible glitch in their payment system, because as a technology worker myself I know it's unlikely to be affecting just me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: CA

Complaint narrative:
First interstate Bank is holding a CD that myself and three other Siblings are named as beneficiaries.. Mom passed away and the bank refuses to divide the CD and give me my portion ( XXXX ). They are requiring all 4 Siblings to sign off on the CD. Two siblings are uncooperative. The bank is holding my money requiring some one else 's signature to release my share, First Interstate is taking advantage of the situation to keep deposits in their bank and have admitted to me it is " their '' policy, NOT the law. I have NO interest in investing with my siblings. I want my money released. This bank is taking advantage of my mother 's death to prolong holding my inheritance as part of their deposits. Despicable policy taking advantage of ( how many ) beneficiaries loss. First intertstate Bank in Grants Pass, shame on you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
There are several unauthorized inquiries as a result of identity theft. See additional attachments as requested by Equifax Information Services LLC Supervisor ( XXXX  ). 

PLEASE NOTE : This is my THIRD complaint submitted to Equifax. This complaint has been submitted to Equifax twice before ( dispute # XXXX and # XXXX ). Each time after the full 30 day period, Equifax has refused to remove the unauthorized inquires and requested additional and/or different documentation than time previously requested, This has been extremely frustrating, adding insult to injury after having my identity stolen, and my back-and-forth ordeal with Equifax representatives has been documented in Equifax Case Report # XXXX. 

For this third complaint submission I am including the following changes/updates : ( 1 ) a copy of a paystub to verify my SSN, ( 2 ) additional FTC identity theft reports that show the company names of unauthorized inquires in the INQUIRY section of the FTC identity theft report due to the FTC website only allowing a maximum of three company entries per report and ( 3 ) an updated cover sheet with my name, phone number, address, phone number and concern. All previously submitted documentation ( Driver 's License and Utility Bill ) will also be attached, for a total of SEVEN ATTACHMENTS, and resubmitted as a part of this third and hopefully final Equifax complaint submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Renters recovery solutions located in XXXX Georgia is scamming people. I am being charged double the amount and there is no resolution. I was told that I need to pay {$1500.00} for a debt and since I was homeless and never received it they said now I have to pay XXXX and they would not settle. A debt collection agency is supposed to be a place that negotiates. This place is scamming people out of hard earn money. I have reached out to both the agency and the apartment building. I am willing to pay the original {$1500.00} but now they are saying it's {$3000.00} because I did not respond in time and they will not lower it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Two companies XXXX XXXX XXXX which is closed and early warning.com. XXXXXXXX XXXX XXXX  used early warning before opening me a checking acct. and said they could not open it because of an old XXXX XXXX XXXX account that I word on and I have no idea what they are talking about. I have pulled my credit report recently the past couple of years there is nothing on there at all about this and I do not owe them anything. Please help me fix this. I called early warning and ask them to help me and they said it would take 30 days and they acted more like they were helping the banks more than customers. I really need to open a checking acct I have a lot of cash on me and need to put it up in an account asap. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/2024 I contacted Vanillagift.com at phone number XXXX XXXX XXXX. The person I spoke with told me the company would send me 3 replacement cards, since the cards I purchased declined every transaction I attempted. I received 2 replacement card which did work, but I did not receive the third card I should have received. The replacement card packages and paperwork do not specify the card they replaced, so I don't know which card was not replaced. 

I requested the following cards to be replaced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not received proper investigation protocol, which should have resulted in deletions of unathorized and or false information and accounts.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received proper investigation protocol, which should have resulted in deletions of unathorized and or false information and accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, with little warning, my mortgage company ( myservicemac ) told me that they would be switching to a new portal the very next day on XX/XX/XXXX, which is the exact same day that my mortgage is due. 

The new site portal did not work for me, could not use my login credentials like the notice said, and I was unable to register for it or sign in at all. The phone line was too busy for the company 's representatives to get back to me. MyServiceMac is clearly attempting to make people miss payments on their mortgages.

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr. Cooper, formally known as Nationstar, has for multiple years now charged me through XXXX XXXX XXXX for $ XXXX when my balance that I owed on my mortgage was between $ XXXX of XXXX and $ XXXX XXXX. I had called to their insurance department starting in XXXX to address this and every time I was turned away with the explanation we can not change this. In XX/XX/XXXX, my insurance increased substantially by another {$2000.00}. I called into Mr. Cooper and asked for the insurance department on XX/XX/XXXX at XXXX XXXX. I talked to XXXX followed by supervisor XXXX who was supposedly in XXXX, PA and addressed this issue as well as seeking credit for items that would create those credits on a 4 point inspection. Again, I was told they could do nothing about it. On XX/XX/XXXX, I talked to a XXXX and a XXXX in XXXX, TX at XXXX XXXX  about the same issue and requested information about XXXX XXXX XXXX XXXX. I was connected to a XXXX in XXXXXXXX XXXX who was in the claims department for XXXX XXXX XXXX XXXX who did not want to provide me with a phone number or address to this insurer nor connect me to their underwriting department. 

Every piece of information I tried to obtain from XXXX made me believe that there is no proper procedure in place to utilize this company. He was extremely evasive about any information I tried to obtain. 
I gave Mr. Cooper two more tries on XX/XX/XXXX at XXXX XXXX  talking to a XXXX XXXX and on XX/XX/XXXX at XXXX XXXX to another associate but had the same outcome, " There is nothing we can do ''. 

On multiple occasions when I dialed the number on the insurance certificate XXXX XXXX, I would always have someone identifying themselves as Mr. Cooper Insurance Company employee on the phone. This is against the law, to protect consumers against mortgage providers choosing an insurance associated with them or for other benefits.

As of today, nothing has changed in regards to lowering my insurance premium on top of me not being able to log on to my Mr Cooper account anymore. When I call in about that, they tell me to create a new account. I told them that I would need my old account due to legal reasons like tenure, data, old transactions, etc but they refused to fix the issue. 

Attached is the insurance certificate of XXXX XXXX XXXX XXXX that shows the phone number at the bottom left that which leads to a Mr. Cooper employee. Also a screenshot from the Mr. Cooper website in regards to the requirements for lender placed insurance clearly stating that you only require insurance for the remaining balance of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX National Debt Credit Systems was contacted by my previous rental company. False claims were made that there was damage done to the property I lived in for over 5 years. The rental company violated my tenants rights. 

In XXXX of XXXX I received a letter from the National Debt Credit Systems giving me one day to respond to a letter they sent about a collection I had no knowledge of. I received the letter on a Saturday and by Monday morning it had been sent to collections. I had no knowledge of this what so ever. I never received a letter from the rental company which I left my forwarding address more than once. It is recorded on the email I sent them after I waited months for my deposit and it never came. I sent an email and directly appealed the decision to keep my deposit. I moved out in XX/XX/XXXX. 

I disputed this through National Debt Credit Systems and sent them a certified letter asking for and itemized breakdown of this alleged damage and any documents they had to make them believe I am responsible for this debt. I never received anything from them. I also called and left 3 messages with the woman handling my case asking her to contact me or send me the information I requested in the certified letter. It is XX/XX/XXXX and I have never heard from this company again. I believe these to be fraudulent claims and the original company has violated several of my rights as a tenant. I am entitled to a reason why they kept my deposit and a breakdown of what they claim to have had to repair.

I had quarterly walk throughs done by the property manager and was never given a bad review and when I moved they told the rental company I was an excellent renter. I believe this to be a false complaint in order to extort money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: PR

Complaint narrative:
On or about XX/XX/2023 I hade a credit balance of {$14.00} i ask to send a check to my address Villa de XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX I Spoke with representive and said a check will send to me. As of today nothing has happen

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 monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i received a settlement check for the following names from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX and or XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was beneficiary number for XXXX XXXX my XXXX this was the settlement check for overdraft fees that were unreasonable.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Two companies BB & T which is closed and XXXX XXXX  XXXX XXXX XXXX used XXXX XXXX before opening me a checking acct. and said they could not open it because of an old bb & t account that XXXX word on and I have no idea what they are talking about. I have pulled my credit report recently the past couple of years there is nothing on there at all about this and I do not owe them anything. Please help me fix this. I called XXXX XXXX and ask them to help me and they said it would take 30 days and they acted more like they were helping the banks more than customers. I really need to open a checking acct I have a lot of cash on me and need to put it up in an account asap. Thanks so much.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a legal and lawful notice that the trustees and authorized representatives of XXXX XXXX XXXX  are violating my consumer rights, and right to privacy, by reporting my personal private transaction history without my written consent, as per 15 USC 1681 604  A. 
The violations occurred between XXXX and XX/XX/XXXX. 
They violate the 1974 Privacy Act. Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned. 
As per 15 USC 1681 Section 602A, we have a right to privacy.

The Frank-Dodd Act was enacted to protect consumers ' rights in business transactions reported to the agencies, Section 623 54-57, emphasizing consumer signature and consent.

15 US C, & 1681 B ( a ) ( 2 ), persons are only authorized to furnish consumer reports, per written instructions of the consumer.

15 USC 1681 c ( A ) ( 2 ) ( A ) ( i ), transactions in business are between the consumer and the person making the report.

15 USC 1581a financial institution may not report directly, or disclose to a non-affiliated third party any non-public personal information.

Violations of the Fact Act section 623 ( a ) ( 7 ) ; Your institution failed to provide an early warning notice regarding any form of a debt being placed in my private consumer file.

These actions have caused me irreparable harm, ( see invoice and denial of credit letter ), and violated my constitutional right to contract.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo denied my claim for XXXX for XXXX it was fraud I didnt authorize these to go through. Wells Fargo support has not been helping at all I actually called around 32 times this week and out of that 5 times I was rudely just hunged up on. And I opened a report with the XXXX  cfpb and occ and they still dont want to help. They werent following any regulations and I want my money back asap. Or i will be getting a lawyer and telling this too all the news outlet and I will make a big deal out of this even if it cost me all my money! Another guy I spoke too was called XXXX XXXX he is the escalations representative. I called him more than 10 times and every time just went to voice mail! And I also talked to XXXX of the Senior escalation department this XXXX was the rudest of all idk why she act like she owns the world but she is the most XXXX  rudest person I have ever met in my life idk if she was XXXX XXXX XXXX or had a bad day but she was extremely rude! Wells Fargo also isnt following any of the regulation that is put on bank there extremely scummy and wont tell me why my claim was denied!

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation