vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
I opened a XXXX FHA loan with Rhode Island Housing in XXXX for my primary residence. When I opened the the loan, Private Mortgage Insurance ( PMI ) was added and I was told by the loan officer that I could remove PMI once my home had enough equity vs. the loan amount and I could show a good payment history. In XX/XX/XXXX, I proceeded to send a letter to Rhode Island Housing asking if PMI could be remove since the value of the house at the time was approximately 230k and I only owned XXXX. I received a response stating that 1 ) PMI could only be remove once the loan to value ratio equal 80 % of the original loan amount with proof of the no decline in the property value and 2 ) 24 months of satisfactory payment history. Further, the letter indicated that to satisfy the 1st requirement, my loan balance had to be reduce to {$100000.00}. 

Based on this information ( despite what i was told initially ), I made it a habit to pay a little extra each month so it could be applied towards principal. In XX/XX/XXXX, several payments towards principal were made and I was finally able reduce the loan balance below 102k. I than reached out to Rhode Island Housing on XX/XX/XXXX and again requested that they remove PMI from the loan and received confirmation that my request was received and would be forwarded to a manager to review. After weeks of waiting and waiting and following up with them, I finally received a response via mail on XX/XX/XXXX stating that my request was denied due to " Investors Guidelines ( XXXX ) '' which I have no idea what that means and why they are making this process so complicated? This has been a terrible experience and I request that the PMI that was charged since my request was submitted to be refunded back to me and for the PMI to be remove on the loan immediately. Further, I request all information in writing in the event that I need to pursue this through an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX, I transferred funds via Chase New York to XXXX XXXX XXXX  ( XXXX ) Branch in XXXX, XXXX, XXXX via XXXX XXXX, XXXX. 
The amount intended to be transferred from my US Dollar account with Chase, New York was : INR   XXXX. However, it appeared that through Chases Wire Transfer operational error, the amounts transferred were : Two transactions of approximately INR 100,000 each totaling INR  XXXX The dollar amounts deducted from my account were : 1. XXXX USD sent on XX/XX/XXXX XXXX XXXX and 2. XXXX USD sent on XX/XX/XXXX XXXX XXXX The transfer of funds was initiated by me on behalf of my friend. 
Through secured messages I brought the underlying problem to Chases attention and also asked that my account be credited in the amount of {$1400.00} as the second transfer request was not initiated by me. Chase opened an investigation and, after some persuasion, asked its technical team to determine the cause of the problem. On XX/XX/XXXX, I received the following secure message : Please be advised that our technology team determined 2 wires were sent out due to an internal issue. You will also receive a letter in the mail regarding the investigation in this case. 

After receiving a confirmation from Chases technology team I felt comforted that the bank followed up on my concern. I assumed that the follow up letter would expand on the issue and elaborate on the steps taken to remedy it. I was disappointment with the letter received from XXXX XXXX XXXX dated XX/XX/XXXX, as it did not continue where the Technical team left off. The letter did not address the underlying issue as to why two wires were sent and, as a result, my account was debited twice in less than a minute. Instead, the letter focused on the delay in beneficiary receiving payment from XXXX. Based on the response it appears that the investigator either did not provide an honest answer or did not understand the problem that he was supposed to investigate. At the end of the letter the investigator wrote We now consider this inquiry resolved. Note that the letter did not address the request to credit {$1400.00} to my account presumably because I had informed Chase that, at my request, the beneficiary transferred INR XXXX to my mothers account in XXXX. This was my back up plan that I used since I had sensed that Chase was either unable to or unwilling to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: VA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I filed a XXXX complaint against XXXX XXXX on XX/XX/2019. They responded and stated that the account will be removed from my credit file. I received a recent credit report and the account is still reporting negatively. I am asking if and when the account will be removed from my credit file. 

**I have attached a copy of the XXXX report showing that XXXX XXXX agreed to remove the account**

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I took out a personal loan with XXXX XXXX and XXXX XXXX to build a pool. The company said that I could not qualify for a Home Equity Loan which would place a lien and provide better rates and terms. This is the reason we did the as a personal loan. After the loan was booked it was brought to my attention that the company did in fact file a lien. This lien is now preventing my ability to refinance our mortgage for a lower interest rate. Aqua Finance and XXXX XXXX provided my an unsecured rate on a loan and did not disclose the fact that the loan is in fact secured through their lien on my home. This is a deceptive and abusive practice and is also against the XXXX XXXX  XXXX Home Equity Lending laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: VA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the USD/GLELSI account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-11 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: TX

Complaint narrative:
I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, Transunion & XXXX reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?

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 2019-04-11 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: CA

Complaint narrative:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on 3.11.19. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts.

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

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 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
This is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. I have been attempting to obtain a payoff from Rushmore Loan management and continue to get the runaround. I have faxed 3rd party authorization multiple times i have fax confirmations. I am only trying to get a payoff statement so we can close on the customers sale and payoff rushmore. They are bouncing me around, no response no ETA. Again I am trying to PAY THEM OFF i am with a title and escrow company and can wire their funds to them by tomorrow if they would just issue a payoff statement. They are so consumed with negotiating debt they don't know what to do when someone just needs a payoff statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I have noticed that WAKEFIELD & ASSOCIATES have placed a collection/derogatory mark on my credit report, dated XX/XX/2014. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report much less add a collection account without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: NJ

Complaint narrative:
I submitted a dispute on a collection account that does not belong to me to Equifax on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. 

In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. 

On XX/XX/2019, I receive Equifax 's decision regarding my dispute, and they " verified that this item belongs to you ''. 

Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: TX

Complaint narrative:
I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, XXXX & Experian reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?

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 2019-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
My house is in legal status and my mortgage company wants to reinstate my loan for {$5000.00} and then continue monthly payments and I dont have a way to get {$5000.00} and i was wanting to start making my monthly payments and have vanderbilt consider a balloon payment to help save my home

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 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NJ

Complaint narrative:
i received collection notice and a collection account was put on my credit file, this account was from identity theft. I never opened any such account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
contacted you once before about a chase check account and have not heard from you. 
The man on the phone when i called XXXX XXXX of chase bank XXXX XXXX XXXX XXXX telXXXX-XXXX and someone intercepted the call. He said his name was XXXX. He told me that to change ny address on the checks I had to come down to the bank. He also told me he could give me the phone number of who changed it. Once or twice the address change and Mr XXXX knew. XXXX told me it was changed over the internet, which I dont have access to. The account was opened with XXXX XXXX and i told both her and Mr. XXXX that no changes were allowed from the internet, the app or on the phone. XXXX, whos last name is XXXX, lied to me on the phone and said to come down and he would fix it. Upon arriving there he was talking out loud to himself. He said he was on the speaker phone, and was being told what to do. Who was talking in his ear like he said someone did, and why did he listen. If I cant change the number how did it change at all. The address on the checks was defitnetly altered. Anyone who says otherwise is misled or llying. Now as per Mr XXXX each time I order checks I have to go down tho chase to alter the address on the checks. Is this banking law. If you dont answer I will call XXXX XXXX XXXX as I did with Sheriff XXXX. When I was leaving XXXX XXXX said watch how you say things Sheriff XXXX knows of you. Am I being followed by him too. He has XXXX XXXX XXXX ties, who said they would follow me. Does anyone at the chase bank. JP Morgan will hear of this too. With a XXXX XXXX XXXX, recieved from a XXXX XXXX  XXXX manager, I sometimes make mistakes-I apologized in advance like I did to Mr. XXXX and XXXX. Tried to logon to get a complaint num but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a victim of identity theft I have been unable to get things removed from credit report because the companies involved still try to say it is my account. When it is not. VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This vehicle was reposed during the time I had a lost was a severe accident which i could was hospital bound and disoriented for months. I contacted Wells Fargo Dealer services at the time when i was able to talk about my situation and advised them due to my XXXX i could not continue to pay for the car because i was out of work. That they would sympathized because prior to the accident i made every payment on time and their car was not involved with the accident. The Representative said i would be taken care but they would have to get the car back but due to the circumstance that would not continue to put it on my credit. I was happy but .. i began to get more ill and when I finally did recover enough to get my affairs in order everything changed when i contacted wellsfargo again. Even they got the car back they are still reporting things on my credit and They were rude and said they have know knowledge of it. Please help 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 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation
State: GA

Complaint narrative:
I have a credit card from XXXX XXXX and they do not credit my account in a timely manner. I made a payment on my account on XX/XX/XXXX it cleared my bank on XX/XX/XXXX and they did not make the credit available on my card until XX/XX/XXXX. I did not question this very much I just thought that was a standard practice since the account was new. However, when I made another payment on XX/XX/XXXX it cleared my bank on the same day XX/XX/XXXX they will not make the credit available until XX/XX/XXXX. I have contacted them and they say it is to ensure that the payment is not returned. I contacted my bank and they said with things being paid by ACH it is all electronic and that the payments are not returned. I feel that this is very extreme to wait ten days to release the available credit on my account. I am trying to rebuild my credit so if I now close this account it will affect my credit score and I refuse to pay an annual fee for a card that is virtually useless. I am not sure if anything can be done, I feel that this is wrong and needs to be corrected. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I was notified that there was a cyber security attack, that resulted in the exposure of personal information of XXXX XXXX Hospital Employees. The breach effected those that were hired between XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX to the present, I have been receiving phone calls from debt collection companies that I don't know anything about.My lawyers suggested this step in the process of recovering my identity.

These companies include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation