vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: CO

Complaint narrative:
We have been trying for 3 months to meet the requirements of BB & T to have our PMI removed and they keep making up reasons to delay removing our PMI. We were told both in writing ( a letter from BB & T ) and over the phone that if we payed our loan down to 80 % or lower, we would be eligible to have PMI removed. We were given a dollar amount that our principle loan had to be at to reach 79 %, so we made that happen. After waiting for the payment to be processed, we called again to make sure we met the requirements to have PMI removed. We were then informed that we needed to fax a letter officially stating that we request PMI to be removed ; so again we did what we were told. After receiving our letter, we were told we had to wait 20 days for the PMI department to review our information and decide if we qualify to have PMI removed. After waiting the full 20 days, they sent a letter saying we couldn't remove our PMI without an appraisal of our home by one of their " qualified '' appraisers. We already know our home has increased in value since we bought it and they claim it is a {$500.00} minimum charge for an appraisal ; so we would rather pay that money down on our principal instead of wasting it on something we already know. We did our research ( along with speaking to other mortgage professionals ) and we learned that if our principle loan reaches 78 %, federal law requires a bank to remove PMI automatically. After finding out this information, I called BB & T to ask them what our principle loan amount needed to be to reach 78 %, so we could remove our PMI. The first lady quoted me an estimate of {$130000.00} and said she wasn't a PMI specialist but that was what she thought we needed. I called back the next day to request to talk to the PMI department, but they told me that wasn't possible and wanted to answer my question themselves. Again I asked what our principle loan amount needed to be to reach 78 % to have PMI removed. This time the lady told us {$120.00}, XXXX ( that is an {$8000.00} difference between the quotes that 2 different BB  & T employees gave us ) and she said even if we payed down to the 78 % now we wouldn't be able to remove the PMI because it goes by the amortization date ( not the percentage ) ; so according to her, we wouldn't be able to remove PMI until XX/XX/2022. All we want is a direct, honest answer to our question ... .what principle loan value do we need to pay down to in order to reach 78 % of our loan? Once we pay that amount, they must follow the federal law requiring immediate removal of PMI without giving us a million different reasons why they can not remove it. Every month they delay removing our PMI after we have met the federal requirements, they should have to reimburse us the PMI payments we made.

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 2018-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I submitted for mortgage assistance in XXXX of XXXX. They kept asking for XXXX more thing. We finally got approved to start XX/XX/XXXX. I have filled out the contract XX/XX/XXXX times They say each time the company rejected it. Today after making XXXX payments towards this plan on time ... they say they are canceling it. They say they will foreclose. I attempted to contact XXXX XXXX my customer representative and he was not available nor was any other representative. I can not get an appointment until the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: Nelnet, Inc.
State: MI

Complaint narrative:
Information is being inaccurately reported on my credit reports. The information is being reported by Nelnet. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with Nelnet. On XX/XX/XXXX I faxed a dispute to Nelnet advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called Nelnet on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that Nelnet has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why Nelnet is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank closed my account and for about 7 months they have failed to send me the check of my remaining balance of {$750.00} that they said was already on its way. They say it could take a couple months. 3 months go by and I contact them ask to speak to their supervisor for them to hang up on me repeatedly. I called over and over for them to hang up and not give me any names of who was working. Simply telling me there is no money owed to me and hanging up. This is astonishing that professionals would act this way, not to mention I have no idea why my account was closed in the first place. Then I got ahold of them recently for them to tell me I need to have every quickpay transaction verified. I told them ok how should I do that and they said have everyone you have done quick pay with call in. Well I see so many flaws in that how are they supposed to know whos calling in is really the person. How am I supposed to contact everyone I did quick pay with if I cant access my account to see all of the friend and family I have transfered money with? Well they weren't too sure either because I got hung up on when I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: MI

Complaint narrative:
Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?

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 2018-05-17 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: MI

Complaint narrative:
Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: MI

Complaint narrative:
Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?

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 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I went to the Santander web site to make my XX/XX/XXXX payment, as I always do, when the previous month 's Social Security Benefit payment goes into my checking account on the third Wednesday, which in this case is XX/XX/XXXX. 

Using Santander 's XXXX XXXX Speed Pay tool, I made my normal monthly payment, of {$220.00} plus the XXXX XXXX money transfer fee of {$2.00} for a total payment of {$220.00}. 

The payment showed as pending just after I submitted it, which is normal. ( see attached document ). But by Wednesday evening, it had not cleared, and it usually does within about 3 hours. 

I just checked the account online and there is no payment showing as " pending '' and it still shows my XX/XX/XXXX payment as being due. ( See attached document ). There is no record of the pending XXXX XXXX payment. It has disappeared -- and it has never done that. 

Santander is known for this kind of activity and they put the burden on the consumer to keep the account current. You can imagine my distress knowing I just paid them the only money I have to make that car payment -- and they have no record of it. 

But I do! I always save screen shots of receipts when I make payments to them. They are as crooked as Light is Day. 

I have all the files showing the balance due, the payment history showing the payment as pending, the XXXX XXXX payment receipts and the screen shot of my checking account showing Santander deducted the money from my account using my debit card. ( See attached documents ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a request for a XXXX  XXXX to be deleted off my credit report to Equifax around XX/XX/2019 this bankruptcy has been on my credit for 10 years and it is Not reporting on the other two major Credit reporting agencies ( XXXX and XXXX ) it is not fair that equifax will not delete this bankruptcy and I need it deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: MI

Complaint narrative:
Back on XX/XX/XXXX I filed a complaint against CREDIT PLUS for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Plus claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or Credit Plus has provided any information. 
It has been well over the 30 days since Credit Plus could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, Credit Plus is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
i never have a XXXX XXXX XXXX credit card in XX/XX/2010 XXXX XXXX XXXX put a collection on my credit bureau file i disputed it and they could not prove that the debt was mine so they remove it from my credit file now XXXX XXXX XXXX  put back the same debt on my credit bureau file i try to let XXXX XXXX XXXX  know that i never own any XXXX XXXX XXXX card but they reply that they bought the debt from XXXX XXXX XXXX and they are not going to remove it from my credit file i ask them for a contract or any papers that i sign up for a credit card with XXXX XXXX XXXX and they could not provided it so please asking CFPB to get XXXX XXXX to show some prove that i owe this debt of {$1000.00} if not please remove it from my credit file thanks very XXXX XXXX address XXXX XXXX XXXX XXXX mnXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Back on XX/XX/XXXX I filed a complaint against XXXX XXXX for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or XXXX XXXX has provided any information. 
It has been well over the 30 days since XXXX XXXX could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, XXXX XXXX is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent letters out to XXXX XXXX to verify the the account with the original documents to verify the account in which they could not produce. When I called to verify the supervisor said he will not accept my terms now they are calling me and harassing me saying I must pay must pay on this account or I will go to court. 
I paid off one account in XX/XX/XXXX in which the agent said if I pay it will be deleted off my credit report and as off XX/XX/XXXX my credit report still has Collection Agency XXXX XXXX XXXX  Original Creditor 01 XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$530.00} In which it was stated that it will be deleted but it has not and when I asked to verify the second account with the original document they couldnt. Information is listed below XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00}

Company response to consumer: Closed with non-monetary relief