vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
OnXX/XX/XXXXI wrote a complaint letter to US Bank Home Mortgage Customer Advocacy Center stating that I wanted to be reimbursed for all the PMI payments USBank had been fraudulently collecting from me since the FIRST time I asked for PMI removal in XX/XX/XXXX. I also asked them to waive my appraisal fee since if I hadn't done my own detective work, the advice USBank gave when asking to remove my PMI several times ( including the first inquiry back in XX/XX/XXXX ) was incorrect which would have had me paying on PMI for years to come.

The reason they stated they could not refund me back toXX/XX/XXXX and why they incorrectly stated the guidelines was that the XXXX PMI guidelines had just recently changed and that they were NOT AWARE of the change in guidelines. This is again not true and I again had to do my own detective work to find out what the truth was. The truth is that the guidelines were last updated XX/XX/XXXX. And according to XXXX XXXX : " an approved insurer must conduct and complete a self-assessment of its COMPLIANCE with all requirements of the PMIERS as of the effective date and certify to XXXX XXXX that it satisfies all the PMIERs ''. So stating they were not aware of the changes from XX/XX/XXXX is also a lie to protect themselves. I am appalled at how USBank continues to falsify information at the consumer 's expense. I request PMI removal from original stated request ( XX/XX/XXXX ) as well as appraisal fee waived for the gross misrepresentation of the truth which would not have been identified if it hadn't been for my due diligence. This company is certainly committing FRAUD by every sense of the word " WRONGFUL DECEPTION INTENDED TO RESULT IN FINANCIAL GAIN ''

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 2018-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
About 6 months ago, I requested to close my account at Santander Bank in XXXX, ny XXXX. Until today, it is still open. I have spoke with banker and they claimed it will be closed. I am still getting statements. If my statement were lost, that is a breach of privacy. I am still getting statements and they still have closed my account. I understand that they arent closing my acct so the banker wont lose credit. But this is wrong and unethical.

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 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a debt that I dont know what it is I asked for debt validation and they sent a copy of a bank statement but nothing that I have signed. I also checked and they are not licensed in the State of Ohio to collect this debt where I have resided for the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: American Student Assistance
State: MA

Complaint narrative:
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XX/XX/XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX  is now American Student Assistant and they are falsely reporting the amount and dates. It states I opened the account in XX/XX/XXXX. I never applied or signed a promissory note for any loan in XX/XX/XXXX. I tried calling the number on the report but it's out of order.

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit 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 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TN

Complaint narrative:
XX/XX/2107. The amount is {$210.00}. A company called me saying that I have a debt from XXXX XXXX which I dont. I cancelled it because I moved to another city because the city i moved to didnt have a XXXX XXXX. I even paid them to cancel my membership.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP
State: OH

Complaint narrative:
Ive requested both verification and validation from the company and the send me a copy of the bill. I also checked and they are not licensed by the state of Ohio secretary to collect a debt in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX BankXX/XX/XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Real Estate/Public Accommodations XX/XX/XXXX ALLY FINAN I National Credit Cards/Airlines XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On or about XX/XX/XXXX I purchased onlinetwo XXXX tickets from XXXX  to XXXX on Delta airline. At that time while I was online, I was offered a XXXX mile Delta air miles bonus and cash bonus upon use of the card to purchase an approximate {$1000.00} over a specified period of time. I applied for this card, and was immediately notified of my acceptance for this offer. I received the card in the mail on or before XX/XX/XXXX, and called and activated the card on XX/XX/XXXX. Following this activation process, I asked for a confirmation of the mileage offer which I had applied for in XX/XX/XXXX. The representative indicatedl that There was no mileage bonus for this card because I had previously had an XXXX   Delta card. I then requested that they cancel the card and provide me with an email confirmation of the cancellation. They indicated that they would only notify me via mail of the cancellation.

I contend that XXXX   Delta failed to honor their online offer made to me, and as a result I have cancelled a credit card which will adversely affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have reason to believe that Synchrony Financial is attempting to use dishonest, fraudulent tactics to extract late fees from customers. On XX/XX/XXXX, I applied for and was granted an XXXX XXXX   Credit Card backed by Synchrony Financial. On XX/XX/XXXX, I still had not received any form of card, bill, or statement from the company. I attempted to go online to access the account, but they require an account number. Since I had never received a bill, card, or statement, I did not have the account number. I tried to use their telephone system, and it also required an account number. I was then able to get a representative on the line, and he verified my ID with my mailing address and social security number. When I asked for the account number so that I could submit a payment, he said that the law forbade him from giving the number over the phone. I then asked to speak with a supervisor, and they placed me on hold for over 30 minutes before disconnecting me. I am trying to make a good faith effort to pay my bill, and Synchrony is actively preventing me from accessing my account to do, which will lead to late fees and interest charges.

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I went on to Transunion 's website last XX/XX/17 to freeze my credit due to the data breach ( equifax ). I paid a one time {$10.00} credit freeze fee and gave my credit card #. I now see that they are monthly charging me {$19.00} on this credit card for credit monitoring. When I called and told them I did not sign up for said service they said I did and refused to refund money. I went into my emails and saw that they provided me with an email receipt for the {$10.00} fee, but not for the other service. When I called them back to mention this, they eventually agreed to refund me only XX/XX/XXXX and XX/XX/XXXX. My guess is that they are automatically signing people up when they freeze their credit. They said I signed up because I made an account with them, but to put on a credit freeze I had to set up an account. I believe your office needs to investigate this.

*I see on your website now that they had already paid fines on this type of deception just last year. Well, they are at it again it seems.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: NC

Complaint narrative:
After 3 months of processing, and 2 days before closing, I was told I dont quality.

OnXX/XX/XXXX, I applied for a refi for my primary property ; corresponding via phone and email with XXXX XXXX   at Reliance First Capital in XXXX, NC. My initial request and conversation with her was to ensure that my debt-to-income ratio was sufficient and that I could use the rental income on my second investment property as income. See emails attached. I wouldn't let them pull my credit until they verified this information.

I submitted all paperwork and was approved for the loan for $ XXXX@ 4.5 % for 30 years and was in the final stages of the loan process in XX/XX/XXXX, per the closing disclosure information I received via docmagic.com, as well as XXXX emails to me ( attached ). Loan Number : XXXX.

I executed three sets of Closing Disclosures, was told several times that I would close on the loan tomorrow or next week. After 3 months of submitting ALL necessary paperwork, paying appraisal fee of {$500.00}, paying for HOA forms fee of {$210.00}, being told I was closing within days, I receive a call from XXXX  's manager, XXXX XXXX who told me that I didnt qualify and it was because of the Dodd-Frank act. I dont understand how an act set up in XX/XX/XXXXcould have affecting a closing that was to finalize within days. Now interest rates have increased substantially and I am out thousands of dollars due to their error. They deleted the latest Disclosure statement in XXXX, but I have all other copies and emails.

Attached, copies of email correspondence, documents, and Closing Documentations submitted.

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX Lender License No. : XXXX  NMLS ID : 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 monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is XXXX! I asked for a copy of the loan audit for my loan to see what payments have been made and Wells Fargo response to my last complaint XXXX. Is that they need more information from me? XXXX you CFPB are worthless pass the buck over paid government POS!!

If I had to show all my checks I had to spend {$250.00} to get copy of checks from 2 years ago but ask the bank with XXXX  dollar computers they can't manage to get my loan payments and show how they are posted?

This system is seriously XXXX XXXX!!!

That bank Wells Fargo should have to give me a loan audit with in 72 hours!!! At least with in 30 days! You really want to be a consumer protection Orginaztion then act like you give a XXXX!! Make the banks do their jobs and supply the audits!!

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXXHard Inquiry from XXXX XXXX XXXX  ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX   ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls.XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized.

XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry.

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

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 2018-03-12 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 HAVE CALLED AND SENT EQUIFAX DOCUMENTS IN REGARDS TO A NEW XXXX XXXXL ACCOUNT- ( XXXX XXXX XXXX  ) ACCOUNT NUMBER XXXX..

I HAVE SPOKEN TO EVERY DEPARTMENT AT EQUIFAX OVER THE LAST SEVERAL MONTH 'S AND SENSE EQUIFAX OUT SOURCES ITS DISPUTES ITS HARD TO GET A STRAIGHT ANSWER WHEN YOU CALL IN YOU GET TRANSFERRED NUMEROUS TIMES TO DIFFERENT DEPARMENT 'S AND EVERY DEPARTMENT PUSTS YOUR FILE IN DISPUTE AGAIN THEY EVEN START DISPUTES IF XXXX  OR XXXX  INITIATE A DISPUTE IN THERE DATA BASE, I HAVE PROVIDED EQUIFAX WITH ALL THE PROPER DOCUMENTS TO GET THIS ACCOUNT BLOCKED AND REMOVED ACCORDING TO FCRA, AND YET THEY HAVE IGNORED MY CONCERNS AND PUT THIS ( XXXX XXXX ACCOUNT # XXXX BACK IN DISPUTE AGAIN.. I HAD ONE ANALYST TELL THIS ITEM WOULD BE REMOVED WITHIN 48 HOURS GAVE A CONFIRMATION NUMBER TO ONLY MISLEAD ME AND BUT THIS ACCOUNT IN DISPUTE AGAIN ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/2006 i attended XXXX XXXX XXXX XXXX, I currently have {$26000.00} in student loan debt. XXXX XXXX XXXX was not fully accredited, none of my credits transfer. the program closed soon after the college itself was shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: MA

Complaint narrative:
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit 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 2018-03-12 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: MA

Complaint narrative:
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: MA

Complaint narrative:
On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit 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