vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I took at a private loan for XXXX XXXX University in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. I downloaded my transaction history from the website, I also asked for a transaction history to be mailed to me. Once I received both, I compared everything line for line and even double checked the payment history that I have saved. 

When reviewing the information, ever line matches with the exception of one thing, the portion of my payment labeled ( interest ) doesn't appear to be applied any where. Below is the details of the very first payment I made : Date - XX/XX/XXXX Description - Payment Principal - ( {$6.00} ) Interest - ( {$51.00} ) Fees - {$0.00} Total - ( {$58.00} ) The transaction history shows that the Disbursement amount and fees totaled - {$8700.00}. On the following dates Capitalized Interested was added to my balance XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$530.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$5.00} Bringing my balance due to {$12000.00}. Now it is my understanding that this amount includes the dispursed amount and capitalized interest. If that's the case, why after I made a payment of {$58.00}, did my balance only decrease by {$6.00}? If you remember the payment was divided into principal and interest. Where was the other {$51.00} applied? In every payment instance the amount labeled 'Interest ' isn't applied to anything. 

When I brought this to Navient 's attention, now I'm being told that I was given a complete transition history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
Where to start with UWM ( United Wholesale Mortgage ). I have been trying to remove PMI on my mortgage for over a year! 

No one at UWM can provide in writing when my PMI officially gets removed - huge red flag. I have asked for it in writing or else I am seeking legal help. I received three different answers over the phone about when my PMI gets removed - 80 % LTV, 78 % LTV, 75 % LTV, but nothing in writing. Sound sketchy? Yes. 

UWM provided me an updated appraisal on the property through which shows a new appraised value of $ XXXX. My unpaid principal is $ XXXX. That means LTV of 75.2 %. UWM states on their website that PMI is automatically removed at 78 % LTV! Why wasnt mine removed? One representative claims XXXX XXXX- the investor- has set the LTV for PMI removal on my loan at 75 %. Hmm, I highly doubt that. 

The next time I called in, the representative informed me that my LTV is 82.5 % and my homes value is actually $ XXXX, not $ XXXX. And why is that? According to UWM, I did not receive an updated appraisal to $ XXXX, I simply received a brokers opinion which I paid {$300.00} for at the time!!! And they can no longer honor the $ XXXX appraised value, they need to go back $ XXXX value moving forward unless I pay another {$300.00} for a new appraisal. Scam artists! 

I could keep telling you more stories, but all in all am getting the run around by UWM, who desperately does not want to remove PMI on my loan. I have official written records showing that UWM provided an appraisal for $ XXXX and my unpaid principle is $ XXXX. Per UWMs website, any LTV under 78 % gets PMI automatically removed. As such, I have been paying unnecessary PMI for MONTHS since I am at 75.2 % LTV.

Since I keep getting different answers and excuses, many red flags are being raised. UWM also will not send me the legal language on my mortgage about when the PMI gets officially removed. They just keep changing the requirements every time I call in to remove it. 

Please help me, I have a wife and a XXXX XXXX XXXX daughter and I just want to be treated fairly as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2023 My husband and I have a VA Home Loan and due to hardship we asked for a forbearance. We filled out the application over the phone with Bank of America. They said we didn't qualify because of having a VA home loan. If we had any other loan, we would have qualify. That is Veteran discriminations

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: MO

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX credit report/credit inquiries that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX  credit report/credit inquiries that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased my car from US Auto Sales on XX/XX/XXXX, I made every payment on time each month. The car was totaled on XX/XX/XXXX and this was also during the time US Auto sales went out of business transferring my account to Westlake Portfolio. My insurance company settled and paid Westlake Portfolio XXXX leaving me with a balance of XXXX in which I also had Gap coverage. The Gap XXXX XXXX XXXX has informed me that they have closed my case due to non response from Westlake Portfolio. I spoke with the XXXX at XXXX and he has asked Westlake for my payment history from XX/XX/XXXX up to the total loss date. Westlake can only provide from XX/XX/XXXX and state that they do not have any payment history prior to this date. I am at a loss because my payment history has been lost and I can not get the car paid off without it. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery has added an item on all three credit bureaus XXXX, XXXX and XXXX, without validating the debt. The debt is for {$1000.00}. According to the FDCRA I have the legal right to request validation of any debts I am claimed to owe. Portfolio Recovery has failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
As of today XX/XX/23, Harley Davidson Financial Services has repeatedly called me every hour starting at XXXX XXXX This has resulted in XXXX calls from them already today and it is only XXXX XXXX  XXXX XXXX 

They are in direct violation of the fair debt collection practices act, which prohibits debt collectors from harassing consumers. Last month they called me XXXX times in XXXX  days, I asked them to stop harassing me, and told them that they are breaking the law by incessantly calling me repeatedly. The FDCPA states that debt collectors can not call you more than 7 times in a week!! For some reason this company believes they are above the law. 

I am again asking that they stop harassing me, and stop calling me repeatedly every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was taking taxi from XXXX airport to the hotel on XX/XX/2023. Taxi driver card machine was not working. He asked his colleague for a different machine, which also was not working well in the beginning. So, instead of XXXX $ for a taxi ride, I was charged XXXX XXXX Obviously, it was a mistake. I didn't get the receipt from taxi driver. I called Chase bank immediately when I came to the hotel & they returned me the money. 
However, today Chase reversed the claim & charged me for XXXX $ again. I called the bank again & explained the situation. They asked for the receipt, which I never had. They said to call taxi company in XXXX XXXX I can't find their information. It's impossible for me to find the phone number for this company. 
I was told previously by Chase that they can track the transaction & take care for it. Now they are refusing to cooperate & basically I paid XXXX $ for XXXX minutes taxi ride. I was a client of Chase for many years & they are not helping at all now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has appeared on my credit report. This account, which is associated with my ex-husband, was opened without my knowledge or consent during our marriage, and I was unaware of its existence until I recently reviewed my credit report. Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Opening : XX/XX/2021 Balance : {$1700.00} I have attached documentation, including divorce decrees and separation agreements, which clearly demonstrate that I have no financial responsibility for this account. Furthermore, I have not authorized or benefited from this account in any way. I respectfully request that you conduct a thorough investigation into this matter and promptly remove this fraudulent account from my credit report. Additionally, I would like to receive a written confirmation of the actions taken to rectify this issue. Please let me know if you require any further information or documentation to facilitate this investigation. I appreciate your prompt attention to this matter and request that you resolve it as soon as possible. Thank you for your assistance in rectifying this situation

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Im just giving you one more chance to do your job! Im told you regulate Citibank! But you dont, when I have called several times and have been told by my banking commissioner XXXX XXXX banking commissioner the fdic the occ my attorney general that you regulate Citibank and you send me an answer from citi telling me they can close an account for any reason at anytime! Thats all well and good but they dont give you your money back! How is that you doing your job! Then I call and Im told you dont regulate them on a personal level! But every other agency says you do! They have my money and said they will never release it to me without a harmless bank to bank transfer that they no I cant initiate nor will peoples bank initiate it, because Citibank cried fraud then cashed the check! They have thousands of complaints on forums of Citibank closing accounts and many have been waiting for XXXX months and cant get you to do your job! So good job suing them back In 2015 but now they are getting it back by holding tons of consumers money, probably doing short term investments and recouping it back at our expense. So now that everything is exhausted and Ive invested a month into this. I will go to the news and social media not only against Citibank but you as well!

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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