vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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:
I had closed the XXXX XXXX account having XXXX balance since XX/XX/XXXX. I disputed the account Equifax and the creditor several times and the creditor confirmed that they had updated Equifax since XX/XX/XXXX. However, Equifax continues to publish wrong account balance and status showing that the account is open with a balance of {$1500.00}. Multiple Equifax agents have been so incompetent by not even been able to locate this account. They also can not tell the dispute filing date. Further, I have disputed the fact that my Equifax credit report is not showing my payment history for XXXX XXXX XXXX XXXX. Equifax agent stated that it does not matter. 
Equifax is definitely not abiding by law by publishing inaccurate, incorrect, and false information on my report. Both account have been modified by the other major credit reports. I took the auto loan in XXXX, XXXX from XXXX  XXXX XXXX  XXXX  and closed and paid the XXXX XXXX  since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: MI

Complaint narrative:
my balance on your federal student loan is higher than it should be, I haven't received credit for payments that I have made, & that your loan was previously paid in full or discharged.

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 2020-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent Letters to the CRA on these Dates : XX/XX/2020, XX/XX/2020, XX/XX/2020. 

Amount : {$2000.00}. 

I am writing this due to non-compliance with the Credit Reporting Agency -Experian XXXX They have failed to remove information that was affiliated with this account that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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 2020-11-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A deleted account due to being unverifiable and unidentifiable was put back on my report illegally. 

Account XXXX XXXX XXXX this account I do not recognize and it was removed are-aged and put back on account. 

I want all I formation including original contract and date of first delinquency fir this account produced or delete it.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The credit card company - Chase, keep charging me {$15.00} for when I use my card with a company that does money transfers even though the transaction is a credit card transaction and not a cash advance. This happens even when I use XXXX to pay for services. 

It has happened twice on XXXX where I have paid the fee for a credit card transaction. XXXX has said that even though it is a credit card transaction, and not a cash advance the Chase uses the transaction number to charge a fee. The transaction number is XXXX or XXXX. This is only the category of what the transaction is for and not that it is a cash advance or a charge. It is a description. 

The credit card companies are taking full advantage of this to decide which vendors we can use or not use. That is monopolistic behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Over a year ago I petition this company Mr. cooper mortgage to remove my PMI. As the entire world has experienced housing prices going up. It is my assertion that mr. Cooper is engaging in malicious business practices in the XXXX XXXX  community. Where I live is 80 % -90 % XXXX XXXX. They charged me {$100.00} for a brokers prices opinion and used comparable sales that catered to their narrative to ensure that I could not remove their PMI. They also have inflated my escrow every year since I have been with them. Please engage the CEO of the company. They have priced my home at the same amount it was on purpose to keep charging my account. I have paid every payment in good faith and am at an equity point that the PMI can and should be removed but they refused to do so. Even their website valuation too and every single site that help with evaluation shows my home is work XXXX. But they can back with a price of XXXX in an attempt to make sure myself and XXXX XXXX  male is locked into paying more than my XXXX XXXX. This is malicious and needs to be investigated. When people of another race call for this same evaluation they are given a different level of service and consideration. They always turned around and solicited my to refinance. I wonder if I went and applied to refinance my home would they come up with a different valuation. 

The result : I am asking that mr. Cooper mortgage remove my PMI immediately. They have not reasons to continue to change this account as I am under 80 % Ltv by every logical measure. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never did and currently do not have any collections of charge offs with the Department of Veterans Affairs. Experian has stated that they have verified this information which I know they have NOT because it is not true and after numerous requests they have not provided me with a copy of the verification which is required by LAW under the FCRA. This needs to be removed immediately because they are in DIRECT VIOLATION of the FCRA by reporting false information.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs is being discriminatory against me as a XXXX year old XXXX male. 

I have been approved for the Apple Credit Card twice, I have sent in my documents, I have answered questions related to my credit report, I have done everything to identity myself. 

Goldman Sachs still denies my application for " unable to verify identity ''. I asked if I could send my docs by mail or even send an email. They refuse to accept my identity unless it comes from an XXXX with a higher quality camera than my old XXXX XXXX. 

Basically, Im young, XXXX, with good credit, and willing to send whatever information to verify my identity but Goldman Sachs refuses to give me the ability to verify my identity.

I have already been notified by Goldman Sachs twice, both time saying I was approved. Only to later snatch the hope away from me with word later that I was unfortunately denied. 

I can not afford a new XXXX, they must accept documents via fax, mail, or email to allow me to verify myself. Making an XXXX which is not in my budget the only way to verify my self is extremely illegal and XXXX on Golman Sachs behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
I called the company on XX/XX/2020, spoke with XXXX to provide information regarding my new job. I also asked if I could change my withdrawal date since my paydays had changed. I was advised to send over a check stub once I received one and it would be processed. I was told my payment would be adjusted for the upcoming payment and I would have to call in to make that payment, which I did. I called back on XX/XX/XXXX to verify my check stub was received, and I was good to go for automatic drafts for the next bi-weekly payment and I was assured it was. The XXXX of XXXX, the payment came out correctly. However, another payment came out on XX/XX/XXXX. When I called to verify why, I was told because my check stub was not attached to my account. Thatv made no sense because we verified on the XXXX the stub was there and on the XXXX the bi-weekly payment was automatically drafted as it should have been. I was told the payment was adjusted again and I needed to call in again to have the payment adjusted again. But that's not what XXXX told me. By the way, I kept getting the same representative each time I called in and he was extremely rude this last time I called. I asked could the erroroneous payment they pulled from my account on XX/XX/XXXX be reversed and he said no. I asked for a manager, he said one would call me by end of day XX/XX/XXXX and they never called. I called back to the company that day to withraw my electronic consent. They need to be investigated and fined for not following Reg Z and Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I began the process to refinance my mortgage in XXXX of XXXX with XXXX XXXX XXXX License FL XXXX, NMLS # XXXX ). During this process, my mortgage was supposed to be closed before XX/XX/XXXX. However, due to constant delays, including the loan officer not knowing laws regarding my FHA mortgage and appraisal during the refinance process, my closing was delayed multiple times. I contacted XXXX, the loan officer, about paying my XXXX mortgage on XX/XX/XXXX and was told to hold off on paying my monthly mortgage and she assured me that it would not hit my credit. Further, XXXX contacted me on XXXX to again advise me not to pay my mortgage for XXXX, again assuring me that nothing would hit my credit. 
I closed on my refinance on XX/XX/XXXX with a 3 day right of recission, with the payment supposedly funding on XX/XX/XXXX. However, the title company stated that they had issues with wired funds for a payoff, thus my payoff wasn't sent and delivered until XXXX, resulting in a 30-day late hit to my credit. Upon speaking to XXXX about this, she referenced the fact that I could have paid my mortgage for XXXX and simply waited for a refund from my mortgage company, however, she never advised me of this until after closing. Had I know that that was the case, I would have gladly paid my XXXX payment and waited for a refund. 
I contacted XXXX, the loan officer, about this and she filed a dispute with the credit bureaus, writing a letter that appeared to come from me directly, but was authored by her, but the situation was not resolved. Her supervisor, XXXX XXXX XXXX NMLS # XXXX ) advised her that the credit bureaus would most likely not accept that letter in reference to my credit dispute, citing the multiple other documents that would also need to be submitted. 
In order to begin the process of disputing the hit to my credit myself, I requested a letter of explanation admitting fault from the title company, which they provided, and a letter of explanation stating that I was ill-advised not to pay my XXXX mortgage by my loan officer. However, she refused to do so, stating that it would compromise her loan officer license and XXXX XXXX, the branch manager of PRMG, has refused to return my phone call and emails and has refused to be involved in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am attempting to close a home mortgage with Citi. They approved my file and sent me a commitment letter on XX/XX/2020. They still have not closed, and each time I ask for an update, they add 4 - 6 weeks to the closing timeline. For instance, on XX/XX/XXXX, they told me that my file would be in the queue for final review and closing in " 5 - 6 weeks. '' When I followed up 5.5 weeks later, on XX/XX/XXXX, they told me " another 4 weeks. '' Even worse, my file was completely updated in XXXX with all necessary information. Since that time, Citi has asked repeatedly for updated personal financial information from me and my wife, even though the reason the initial information expired was solely due to Citi 's own closing delay! Every few weeks I have to send a trove of sensitive personal financial documents to them. It's like we're on a treadmill, they can't set a closing date, but then they also want continual new information from me. It is a major burden to send all these documents every few weeks. 

Worst of all, Citi is offering me a discounted mortgage rate in exchange for moving my personal bank and investment accounts from XXXX and XXXX  XXXX XXXX. They pressured me to move these accounts over quickly, which I did in early XXXX, even though it was a huge hassle and I preferred to keep them at the original banks. Yet they can't even close the mortgage, and now my accounts have basically been held hostage for months ; if I move them out of Citi, then Citi will take away my preferred mortgage rate. I just need Citi to close this mortgage! 

Citi has even admitted that other applicants, who did not provide their personal information in a timely fashion and who have incomplete files, are taking priority over my application, just because they submitted their applications first. I can't win -- I get Citi all of the info they ask for, and then I get penalized for it by being asked to update that information every few weeks, while other applicants can't even get their first round of information in. Yet those other applicants are ahead of me in line to close!

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 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I made my XXXX payment on XXXX. It shows in my payment history and has been withdrawn from my checking account but my account still shows due for the XXXX payment. 

I called the company on XX/XX/14 and they said it would be fixed within 24 hours. It has not been fixed.

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 2020-11-17 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: CA

Complaint narrative:
I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I bought my XXXX XXXX off the lease at the end of XX/XX/2020. I financed it through the ford dealership, they used XXXX  XXXX. XXXX XXXX did not send the money to Ford until mid XXXX causing a payment to exceed 30 days in the amount of {$370.00}. I am arguing that the late payment on my credit report is not due to me being late on a payment but is due to the ford dealership not sending in my payoff amount to ford on time. I called ford and they spoke to the dealership to have them send in the payment and paperwork but I would like that late payment removed from my report. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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 applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-11-17 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: CA

Complaint narrative:
I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
This is a follow up on complaint # XXXX. Loan care sent me a letter mentioning that they reached out a insurance company called XXXX which has not have my policy FOR OVER 3 YEARS and ignored my multiple documentation sent from SECURITY FIRST which is my ACTUAL insurance policy for the house AND that includes FLOOD INSURANCE. I also reached out to XXXX XXXX and they faxed the required documentation on XX/XX/XXXX AND XX/XX/XXXX and the issue still without a solution and Loancare still charging me a {$3000.00} flood insurance. 

Lastly, on their letter they sent me a customer care number with an extension number that doesn't exist ( extension XXXX ) and the number goes directly to a voice mail. 

These are deceptive and illegal practices where this organization ignores the proof of insurance and charges home owners ridiculous amounts for a policy that was never needed. 

Because this deceptive and illegal practice, my monthly payment moved from {$2300.00} per month to {$3100.00} this upcoming XXXX which will be impossible for me to pay. 

Please investigate and DO SOMETHING! 

Kind Regards XXXX XXXX Loan # 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 2020-11-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13. 

2. The creditor failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a )

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