vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The bank closed my credit card during a period in which I was experiencing great financial difficulty. I had a number of issues due to an identity compromise. This was documented ( FTC Report # XXXX, XX/XX/XXXX XXXX, and again another through the XXXX  XXXX  in XXXX ( claim # XXXX ). At this time, I fell behind on my credit card, and at 60 days late, the bank " closed '' the card. The bank has made no effort to find a fair solution to this temporary situation. 

The bank continues to accrue interest on this account as if it were an active credit card. I've been paying on this account for many years and the balance does not go down by much ( maybe a couple XXXX dollars on a {$25000.00} debt ). It is negatively affecting my ability to obtain a better credit alternative ( balance transfer ) and housing ( denied applications ) because it shows on my credit report as " over the limit balance '' even though it was under the limit when the debt was charged. 

The bank will not help come to reasonable terms in any way without further penalizing me. My credit score is dragged down that I can not secure a lower interest loan to overcome this debt. They want to close all of my credit accounts, even those that do not have any negative history, before they offer any relief to reduce the interest ( and this would be a term limited benefit at the cost of a long term credit impact ). These actions and the ensuing harm caused to me are disproportionate to a 60 day late credit payment that occurred many years ago. I feel entrapped in this situation and the business has priced this debt such that it can never be repaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/13 During our children 's illness and care and transportation back and forth to the XXXX XXXX and not being able to work full time and only part time to help his recovery over 49 months our mortgage company at the time, Mr. Cooper - XXXX XXXX prior would not approve us for a temporary modification nor a reduced payment for a interim period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted them regarding inquiries that were not authorized. Transunion is not willing to verify and provide proof of these inquiries. I have contacted the creditors for each and they all have told me to contact Transunion. Also, this is the same process I had to follow with XXXX  and XXXX. Please fix this, the inquiries are listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX... 



XXXX XXXX XXXX XX/XX/XXXX, XXXX... 


XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX... 


XXXX XXXX XXXX, XXXX... 


XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX... 

XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX and you responded with the false claim that you " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: AES/PHEAA
State: IL

Complaint narrative:
This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: AR

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately. 

1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX  XXXX  XXXX 3. XXXX  XXXX  XXXX 4. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX Citi Bank closed 3 bank accounts associated with my name stating that it was fraud activity on the accounts and they would send something in the mail with in 30 days. After 30 days I called back and they hung up on me multiple times and refused to talk to me. One of my accounts have actively {$22000.00}. It is now XX/XX/XXXX I have not received any notification about the status of my accounts and when I will be receiving the money in 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 2021-01-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted an online dispute to Equifax on XX/XX/XXXX. The dispute center said that the dispute should be finished by XX/XX/XXXX. Today is still saying under investigation and it's been 32 days. I called Equifax and they told me that I have to call the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent out a round of letters to each credit reporting agency XXXX XXXX, Transunion and XXXX XXXX requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent out a round of letters to each credit reporting agency XXXX Equifax, XXXX  and XXXX  XXXX requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I sold my house on XX/XX/2020 and the mortgage was paid in full, and the servicer Dovenmuehle Mortgage Inc, had {$1100.00} in escrow at the time. I looked on the website and it would be approximately 30 days after payoff to inquire about escrow refunds, which I did wait the 30 days but nothing was received. I verified they had my new mailing address at that time. 
I called back approximately XX/XX/2020 and inquired about the escrow account refund and was told it had not been processed and the representative said they were initiating the escrow refund process. 
Still no refund of my funds received and I called again sometime in the middle of XXXX, unfortunately I'm not able to locate or recall exact date. I spoke to a representative that ensured me the check would be processed for my refund. 
I have monitored the website transaction history on my closed account, and on XX/XX/XXXX I saw there was an " Advance Reversal '' for {$1100.00}. 
I have not received anything in the mail and called again on XX/XX/2020. I asked the representative to look into the matter, he told me that he couldn't see anything different than I see on the website. But if I wanted to get information I would have to email another department for the matter. I explained that I had called several times and would like to escalate the matter to a supervisor. 
Before he transferred me to his manager and he said if I did that it would be another 15 minute wait, but if it went to voice mail I would receive a return call in 24 hours, which I agreed to. When he transferred me to his supervisor it went straight to voicemail. So I left a message and repeated my phone number twice. I waited the 24 hours but no return call. 
I feel that I am owed the funds and interest accrued during the time after the payoff and return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I requested a PMI removal back in XXXX of XXXX and was told that my loan needed to be paid down to 80 % LTV to have the PMI removed. I paid down the mortgage to below 80 % and again requested a PMI removal. This time I was asked to pay for a BPO, which I did. I received a letter on XX/XX/202 stating that the home LTV was now at 73.96 % ( {$120000.00} ) and the home ( as it is an investment property and now needed to be paid to below 70 % LTV ) needed to be paid down below {$84000.00} in order to remove PMI. I sent in a check noting a Lump sum payment to be applied to " principal only '' as stated in the memo line, as instructed. The payment was erroneously applied to multiple future payments and I had to call the company to sort that out. I paid the loan down to {$84000.00} on XX/XX/2020 and requested a PMI removal the same day. I was sent an email that the request could take up to 30 days to process. Since then, I have called the company five times, speaking to 8 different representatives telling me that they are not sure why my PMI has not been removed and they will speak with a supervisor and get back to me. Not one of those people has gotten back to me, and me PMI has still not been removed. I am told their PMI/escrow department will not take calls from consumers, so I am left at the mercy of their customer service agents who clearly are not following up. I am unsure what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation
State: IL

Complaint narrative:
I consolidated all of my student loans in 2002, both XXXX and XXXX. I now have two very large loans and they have been in Income-based repayment for years now. My issue is that these loans were placed in deferment status for 11 years. Because of this, these years don't count toward the 25 years of payments in my repayment program. I know that loans should not be in deferment for longer than 3 years. So, I need to know if the status can be changed from deferment to another classification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last month ( XXXX XXXX ) I reported to CFPB that Experian dropped my credit score by 20 points for using {$130.00} of my {$5600.00} available credit. By XX/XX/XXXX Experian gave me back the 20 points they took away. I paid off the {$130.00} a week after I charged it in XXXX XXXX. I checked my credit report on XX/XX/XXXX and saw that Experian reported that I paid off the {$130.00} on XX/XX/XXXX, but then dropped my credit score by 19 points!!!! My score should have increased by 19/20 points for paying off the only thing I charged on my credit card for months. There were no other changes or movement on my credit report. But, my score went from a XXXX to a XXXX. This means I went from having GOOD credit to FAIR credit. Experian has been doing this to me for years! Whenever I pay on my credit cards or my loans, they decrease my credit score. They've even lowered my score by 20 points for things like asking them to correct my address and employer information. They arbitrarily lower my score for things that should increase my score or shouldn't affect my score at all. Plus, when I dispute incorrect items on my credit report, I end up having to spend months, and in some cases years, to get them to correct things. For example, it took them 12 months ( a full year ) to correct my name, address and employer. By law, they must report things accurately and not do things on purpose to bring down my credit rating. Since this has been happening to me for years now, I can see that they're trying very hard to keep me from bettering my credit rating so that I am subject to the subprime credit card and lending marker. I can't get a decent loan to by a home for or get credit cards for XXXX XXXX due to Experian 's illegal and unfair reporting. My credit score with the other two credit reporting agency is in the 700s because they're not penalizing me for paying-off my credit card ... and it should be in the XXXX at Experian by now. 

Per the Fair Credit Reporting Act, my credit rating can't be arbitrarily brought down because Experian decides to do so on their own. My credit rating needs to accurately reflect the accounts I have, when I make payments, and show how I use credit. Not punish me for paying my credit cards on time. Since I use my credit responsibly, have NO DEBT and never go above 3 % usage of my available credit, my credit report and score should be in the XXXX by now. So, this unfair and illegal practice of theirs needs to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2020 my wife 's grand parent applied and get approved for a credit card with Pentagon Federal Credit Union. He added me as an authorized user. The Covid situation affected us and he was not able to make the payments. Based on the Pentagon FCU card agreement, which I attached, " ... I am not financial responsible for this account ... '' since I am not the account holder, just an authorized user. The account is showing on my credit report and is affecting me now when I'm trying to purchase a home for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I made an electronic payment to LoanCare LLP on XX/XX/2020 in the amount of {$2200.00}. The mortgage company states that they did not recieve the payment. I contacted XXXX XXXX bank and they confirmed that the payment was made with transaction # XXXX. I have spoken to LoanCare at least a half dozen times and have been treated with disdain, and told I have not furnished them enough information. I have paid my mortgage electronically `through XXXX and XXXX XXXX for years without a problem. I made a claim with XXXX XXXX which was denied because they confirmed the money was received by LoanCare. Please Advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Liberty Finance Co., Inc.
State: MS

Complaint narrative:
In XXXX of XXXX we took out a loan that was supposed to be for XXXX, that ended up being over XXXX and a year longer than originally quoted. They added an old debt of mine that had been garnished from my wages My ex employer paid half of it but failed to pay the rest. I was told to sue my employer. Although they assigned her care and control of the debt in which she collected in full, i had to pay it again .... financed and over a 6 year term. We were desperate at the time because I had just been diagnosed with XXXX and the need was for a reliable vehicle to get back and forth to XXXX treatments. 
Over the next two years we went into foreclosure 3 times. We paid over XXXX to Liberty in fines, fees and interest. Every time we requested help from the company, we were repeatedly ignored or dismissed by XXXX XXXX. He intentionally targeted us and never gave us the same treatment as others. I requested a breakdown of fees and fines and costs only to be told he didn't have it in the system anymore and to ask their attorney for the breakdown. The attorney sent me back to liberty where he typed one up that didn't make any sense or match. I requested a forbearance as well as leniency. Denied. 
It wasn't until we contacted CFPB did they agree to " help ''. Their help was rewriting the loan for twice the original loan. There are fraudulent misappropriated money dealings, misleading loan documents that weren't and can not be explained, they have involved my mother in law now and have publicly embarrassed her as well as messed up some title work that they won't clear up. We have been charged for services that weren't rendered as well as not given paperwork on some new loan they have charged off. The first loan was satisfied yet never reported to the credit bureau. Our credit has been ruined and we feel humiliated and in fear of losing our home. We have offered numerous times payments but they will not be reasonable. I even tried to pay XXXX today in which I was denied. They are aware of mine and my husband 's serious health issues yet there is no consideration. As it stands now we owe XXXX dollars for a XXXX loan. 6 months ago we paid XXXX and it does not reflect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation