vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My mortgage on the payment that reached 20 % of original appraisal value was sold to Freedom Mortgage. OnXX/XX/XXXX I wrote Freedom Mortgage and requested PMI be removed. They exercised their right to force a new appraisal ( even though  home values have went up 20 % ) and due to the cost of appraisal wiping out the difference I decided to wait until the 22 % mark was reached where they are required by law to drop PMI. 

They have not removed PMI charges against me even though I have exceeded 22 % of original appraisal value. Once they charged me PMI after exceeding 22 % I wrote them again on XX/XX/XXXX informing them of the homeowners protection act and demanding PMI be removed going forward. I received a generic canned response and on XX/XX/XXXX they again charged me PMI. 

I have never been late on a payment in fact I have made additional principal payments each month. My current loan remaining is XXXX ( not including the payment today. ) with an original appraisal value of XXXX. According to the Homeowners protection act they are required to utilize the original appraisal value and are required to remove PMI at 22 %.

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 2018-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
t 'd be great if there was a more transparent process for getting PMI cancelled without having to refinance. I don't know if this is a FHA problem or a bank problem or both. 

1. I asked my lender for information on cancellation of my PMI in XXXX. They sent me a letter informing me that I qualified for cancellation but referred me the FHA. In a follow up phone conversation with the lender, I was told by the lender that the cancellation is automatic and that I didn't have to do anything. 

2. I checked with the FHA website and only received vague guidance that referred me back to the lender.

3. In my specific case, I've easily gone over 1 year without a late payment and my loan to value ration is better than the 78 per cent that is required. The ratio was in my favor for cancellation within 1 year of closing. 

Thanks for your help.

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 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under XXXX XXXX in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX sent me a copy of my XXXX MTG Statement. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX  XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX  XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX  XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.

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 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and XXXX in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX   XXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against Tennessee XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXXXXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX  XXXX XXXX XXXX, rather than to me.

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 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been dosputing directlly with Equifax, XXXX  and XXXX   since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a ) on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time Equifax, XXXX  and XXXX send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX N A -  XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX, NA - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
Reporting to my XXXX credit report as XXXX XXXX I called XXXX  the address this was owed for I have never lived there. The balance is XXXX I have disputed this account and it remains unchanged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been dosputing directlly with XXXX, XXXX  and Transunion since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a )  on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time XXXX, XXXX  and Transunion send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-02 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: MS

Complaint narrative:
I have been dosputing directlly with XXXX, Experian and XXXX   since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a ) on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time XXXX, Experian and XXXX  send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX  N A -  XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX, NA - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Application # XXXX, I believe was denied because of my XXXX preference, I am married to another man. 
Also, i believe that I am being discriminated against because my application was denied due to the fact that I am permanently XXXX and receive XXXX XXXX retirements from the Federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
World Omni Financial Corp., also known as XXXX XXXX XXXX   has claimed to have an arbitration agreement with me regarding a loan for my 2010 XXXX XXXX that was originated by XXXX XXXX of XXXX XXXXXXXX , XXXX XXXX confirmed in writing that I had never had an arbitration agreement with them. Yet XXXX XXXX claimed without any documentation that the loan was transferred to it and that an arbitration agreement materialized upon the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: FL

Complaint narrative:
I leased a vehicle from XXXX and due to Servicemembers Civil Relief Act I requested a early lease termination. The request was subsequently approved on XX/XX/XXXX by VW Credit. 

After receiving notification of the approval, I closely followed the instructions for surrendering the vehicle. The turn in procedures went successfully and there were no problems however I contacted them several times about the Capitalized Cost Reduction reimbursement and on several occasions they denied my request stating that there are would be no refunds as no security deposit. During the purchase I placed a cash downpayment of {$3300.00} on XX/XX/XXXX as evidenced in the closed end motor vehicle lease paperwork. 

Based on my research and past federal district court rulings has ruled that the cash capitalized cost reduction ( CCR ) payment allegedly made by a military servicemember upon signing his auto lease was refundable under the Servicemembers Civil Relief Act ( SCRA ). 

The SCRA allows a lessee called to active military duty to terminate an auto lease without incurring an early termination charge and requires the lessor to refund any lease amounts paid in advance for a period after the effective date of the termination of the lease. VW Credit has not and will not refund my CCR payment and the failure to refund a prorated portion of this cash CCR payment is a violation of the SCRA. 

I believe that the cash CCR payment was a lease amount that he paid in advance, for the full period of the lease, that had the net effect of [ a ] prorata reduction or prepayment of a portion of each future month [ s ] payment. 

I appreciate any assistance you can provide on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am still having issues dealing with Fifth Third Bank credit card. After my XX/XX/2018 case filed with CFPB that was closed, Fifth Third Bank still have not refunded my other balance of {$2500.00} that was remaining charges that I am still waiting for refund. The balance increased as they keep adding interest charges and late fees. Now total of {$2900.00} as of XX/XX/2018. 

The charges was XXXX, transaction date XX/XX/2018. The transaction was suppose to be use for my XXXX XXXX   call XXXX. Which unfortunately a big fraud that was detected from Federal Trade Commission ( FTC ), the case information is : FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of Florida With the court case, there's a receiver that handles and keeping consumer like myself, posted with the news. 

XXXX XXXX XXXX " On XX/XX/2018, Judge XXXX entered a Preliminary Injunction, which I have posted on this website. Functionally, it operates the same as the XXXX, except that it continues in effect indefinitely. '' Obviously the bank have misinterpreted my charges and still put the charges back to my credit card and state I received services from XXXX through XX/XX/2018. Which the service was misleading and fraud found by FTC and the case is won, consumers like me are entitled for refund. 

At this point, FifthThird Bank mailed me a warning letter this month about making payments to them, or they will take further action of garnishing my pay. This causes XXXX, XXXX from the unwillingness and refusal from the bank to look deeper into something that FTC has helped us consumer won such an important case. 

Looking forward for help from CFPB. Thank you. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: NY

Complaint narrative:
I would like to start off by stating how unprofessional Experian is as a company. Their customer service is a disgrace. 
I am making this complaint because Experian continues to report an account that is supposed to be deleted. NYS Fair Credit Act States accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
This account was charged off to XXXX XXXX XXXX and the collection was paid in full and deleted. Now the original trade line is still showing. Experian is not throughly investigating this account and does not allow me to dispute anymore. When I called Experian they agreed that it should be delete but they can't and was told to call XXXX XXXX XXXX. I called them and they stated they can't delete the original trade line. I called the original trade-in company which was XXXX XXXX  and they have no record of the account anymore. 
Then one day I noticed the account was deleted and put back on my report the next day.

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 2018-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX store credit card. I'm being contacted by XXXX XXXX direct instead of XXXX themselves. They never charged my credit card for my membership so I'm not a member. I applied for a direct XXXX XXXX credit card but was denied. They're threatening to close my card because I don't have a XXXX membership. My minimum keeps changing. As of today I haven't received my bill statement.

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 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filled out an online application for a Wells Fargo credit card on XX/XX/2018 and received a letter dated XX/XX/2018 denying my credit approval on the basis of Not a permanent United States resident. I've been in the United States for approximately 15 years, I have a SSN and have had several credit cards in the past, I even have a current bank account with Wells Fargo. I'm originally from XXXX, but I am a permanent resident of the United States and have gone through the proper channels to obtain my permanent resident card. I believe the reason they denied my application is discriminatory and violates the National Origin category of the ECOA.

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 2018-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Been on income contingent plan for years. Recertified my income contingent plans this summer and in XXXX of this year. 

Navient did not apply income contingent plan to my federal loans instead it was applied again to my private loan that has small balance. I received notification stating my monthly loan amount will go up to almost 2k and to recertify. I was confused because I already did this but I went to certify through my studentloans account again and was unable to recertify b/c it said i already recertified. 

I faxed Navient and email them through my Navient account on XX/XX/25 and i received an automated email notification stating will follow up within 24 to 48 hours and company never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN has violated the FCRA by filing a collection notice on my credit report without notice. The debt is for a XXXX account. I have never had a XXXX account. XXXX claims to have done an investigation but they would have had evidence of the XXXX credit check if I had ever had an account. So they didn't actually investigate at all outside of asking the collection company if I owed the money. How am I supposed to prove to them I've never had a XXXX account. I don't have documentation of something I've never had

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
my credit report states that my loan was late making my credit negative, I was in forbearance each time that it states I missed a payment.

Company response to consumer: Closed with explanation