vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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:
This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults

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 2021-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank, company. has misled for over a year as to cancellation of Escrow Account first they stated that MHP did not allow it. Then they insisted it could only be done if a Appraisal was done and paid for by myself which I did. There was also the plain untruth told that Mass housing partnership stated this could not be done ( escrow removed ) which MHP stated was untrue. This is not regular and normal for all usually you just fill out the Escrow Cancellation agreement, pay a fee and it is removed but they have treated me differently from others. Now they have the Appraisal and have stated that they could not accept the Appraisal and gave no reason why. They had me pay for an Appraisal was was unnecessary to get Escrow removed but serves a purpose to get PMI removed and are now refusing to do so go figure. 

They have put me through hoops and cost me to double l that they stated no insisted need to be done to get Escrow Removed! Now The Appraisal which show an Appraised value of {$360000.00} on a loan owed {$250000.00} or less to date, Refusal to remove PMI stated in writing with docs sent for Escrow cancellation on XX/XX/2021 via online Portal with no reason attached which is violation of PMI cancellation rules for all. This Appraised value means that PMI and must be removed due to the 20 percent home Equity meaning that PMI should be removed at this time. Now they are denying Home Appraisal in violation of law on removal of PMI for all. Insurance premiums paid by myself from beginning to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received credit card bill Previous Balance : {$20000.00} Payments made prior to the Previous Balance Due date {$31000.00} New Balance {$7800.00} Included interest charges of {$180.00} based on one XXXX cash advance of {$300.00}, of which {$170.00} in interest charges was for Standard Purchases. 
In addition, there was a {$15.00} XXXX fee and {$2.00} interest on the cash advance imposed by Citi. 

Citi Supervisor on XX/XX/21 at XXXX XXXX  XXXX advised that they charge interest based on the average daily balance anytime there is a Cash Advance - ie XXXX. 

The " About Interest Charges '' included on the billing statement : " How to Avoid Paying interest on Purchased. .. We will not charge you interest on purchases if you pay your monthly Flex Plan Payment Amount ( if any ) plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month.... We will begin charging interest on cash advances and balance transfers on the transaction date. .. '' Nowhere does it state that Citi will charge interest on Standard Purchases based on the average daily balance for the billing cycle if you take a Cash Advance.

I asked for where it states that in the contract. Supervisor XXXX started making up language that does not exist, such as stating the About Interest Charges read, " We will charge interest once you take a Cash Advance based on your average daily balance. '' I asked to speak to his manager and was told that his manager is XXXX and XXXX is not working tonight.

I am asking that the {$170.00} interest on Standard Purchased be reversed.

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 2021-10-31 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: MD

Complaint narrative:
I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.

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 2021-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I started school back in the late 90 's, it took me over 13 years to finally complete my Bachelor Degree as I was working two jobs and attending school part time off and on. I have been a single parent since 2007, I have worked 2 to 3 jobs at a time to make ends meet so I had to keep deferring but I finally have a job where I can afford about {$200.00} a month to start paying back my student loans.

( I used the maximum amount for my Bachelor which is XXXX and I took only two semesters toward my Masters ). 
Now that I am able to pay my loans back, my total amount due is {$170000.00}!! I emailed Federal Aid and told them there must be a HUGE mistake because I only borrowed about XXXX and they wrote back and told me the interest has been accruing daily for {$25.00} per day. So, I have {$100000.00} in interest which makes my payments about {$900.00} a month! I also saw on my portal that if I pay off my loans by XXXX, then I will have paid over {$300000.00} for my Bachelor Degree! I am literally sick over this and not sure where to turn because I don't want to have my wages garnished and a lien on my home I have worked so hard for. I worked for XXXX XXXX XXXX for 16 years and I didn't even know that the interest would amount to this much! Please help me. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: MD

Complaint narrative:
I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: NY

Complaint narrative:
Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions XXXX on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is the 3rd complaint ( CFPB - XXXX and CFPB = XXXX ) that I have filed regarding Wells Fargo 's management of my mortgage loan. 

On XXXX XX/XX/XXXX, I contacted Wells Fargo to determine why I was still being charged PMI and spoke to XXXX XXXX ( XXXX - x XXXX ) and Ms. XXXX advised that based on my loan balance I had well more than 20 % equity in my residence and she was not clear why I was still being charged approx $ 119 monthly. she contacted the WF PMI department and was told that they were still charging the fee because of late payments in XXXX and XX/XX/XXXX. I advised Ms. XXXX that I have never heard of any criteria for requiring PMI other than the 20 % equity. I further noted that I had made timely payments for XXXX and XXXX of XXXX. Ms. XXXX called me to advise that the Executive Office had opened a case number XXXX. 

Regarding the XX/XX/XXXX payment, as detailed in the chronology I provided with the first CFPB complaint, I explicitly followed the instructions provided to me on XXXX XX/XX/XXXX by XXXX in Wells Fargo Special Loans Department and made a very large principal payment on on XXXX XX/XX/XXXX and advised the Wells Fargo XXXX XXXX ( XXXX ) to call the recast department for instructions regarding how to process my check which was both payment of the XX/XX/XXXX statement and principal payment. XXXX did not contact the Special Loans Department per XXXX 's instructions. XXXX erroneously applied the full balance of the check to principal payment as I stated in my written correspondence to WF dated XXXX XX/XX/XXXX and I was timely in making my XX/XX/XXXX payment, however WF erroneously processed the payment. 

Regarding the XX/XX/XXXX payment, per correspondence from WF, my loan recast was effective on XXXX XX/XX/XXXX and my new mortgage payment was {$1000.00} and WF has acknowledged receipt of a check for that amount on XXXX 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 non-monetary relief
Consumer complaint received 2021-10-31 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by XXXX that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did Ally Financial not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to XXXX that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and Ally Financial has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report Ally Financial has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Today XX/XX/2021 my account that was in good standing was closed. Reached out to several employees regarding the reason and was told that even though I made all my monthly payments on time, twice in the past year I had additional payments made that were refunded. This is not in the contract that I signed. Contract attached.

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 2021-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
Kay Jewelers have put an account on my credit for years that.I have acknowledged too them that it is not associated with me. But they insisted that it is and which is not at all. i am a victim of identity theif.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: CA

Complaint narrative:
In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by Equifax that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did XXXX XXXX not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to Equifax that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and XXXX XXXX has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report XXXX XXXX has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I submitted a dispute through XXXX XXXX, and they helped me out and they said I was right, the account was mine and its under credit collection and its having a hard impact on my credit, the company hasnt tried to remove the collection from XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). The Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. / NAVY FEDERAL CREDIT UNION monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. 
Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. /

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31 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: MD

Complaint narrative:
I XXXX XXXX a federally protected consumer pursuant to the Fair Credit Reporting Act. did not give any Consumer Reporting Agencies permissible purpose pursuant to 15 USC 1681b to furnish any alleged debt on inquires on my consumer report. Each violation in this subchapter results in {$1000.00} for the consumer. Reporting this information is fraud and you are civil liable for all damages because of this fraudulent activity.

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 2021-10-31 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: GA

Complaint narrative:
transunion, XXXX and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such

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 2021-10-31 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: GA

Complaint narrative:
XXXX, equifax and XXXX reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX and experian reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such

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