vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National credit adjuster is contacting me email about a debt I know nothing about and threatening to sue me in court. They are violating FDCPA rules by not providing proof of the debt other than to say I owe it and also the mini Miranda isnt on any email they have sent out this far. I can provide other emails Id needed. I have three emails. This is possible scam because of the poorly written email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer USA is obligated by the FCRA to report everything accurately to the credit bureaus. Why is a late payment being reported 3 different ways to XXXX, XXXX & XXXX? When i dispute it, they refuse to correct the information. The payment was not late. The way it was reported, it looks as if i have 3 late payments. Ive attached the images below. This is my 4th attempt in getting a solution from this XXXX  company. If you are obligated to report correctly, then do that. Why are my payments being reported differently based upon the credit bureaus? Are you intentionally trying to make it look like it was late 3 different times? So that you can make it look like you can tow my vehicle in the middle of the night? Ive disputed it 3 times. You refuse to fix the issue. This credit report was pulled on XX/XX/2020. This company is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The credit reporting agency XXXX has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate 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 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I have submitted paperwork for a loan modification but I still have not heard anything I left a mess with Ms XXXX XXXX XXXX I still have not heard back from her I did talk to someone Named XXXX and he is on e of the agents at Rushmore but he gave confusing information, to say that I should XXXX short term refi and that I would not get a market rate ..All I am trying to do is save my house with a fixed rate so right now I feel that I am stuck ..SO I NEED ALL THE HELP I CAN Get to save my house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my account with XXXX to be able to. Pay my rent online, the landlord also uses Pnc, it says Pnc doesn't allow this yo happen forcing me to use a debit or credit card and pay over 2 % in fees, this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
I noticed a credit inquiry from XXXX XXXX on my report in XX/XX/XXXX. I called XXXX and after long holds and multiple calls, they confirmed a fradulent account was opened in my name and that they will escalate and remove the inquiry. 
The inquiry was still there in XX/XX/XXXX. I filed a dispute with XXXX - Confirmation Number : XXXX - they closed the dispute in less than 2 business days and said I need to resolve with XXXX. I did a conference call with XXXX and Equifax where XXXX said that the first credit inquiry removal was 'not done properly ' and they would submit again and it will be gone in 30 days or less. Equifax was on the line but said although the removal request was sent electronically, they could not confirm receipt. This conference call was on XX/XX/XXXX. The inquiry is still on my report as of XX/XX/XXXX so I submitted another Equifax inquiry -Confirmation Number : XXXX. They again closed on XX/XX/XXXX and said XXXX has to remove the inquiry. I am fed up with this and can not spend another hour on the phone trying to get XXXX and Equifax to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I have contacted RoundPoint multiple times tell them that I have achieve a 78 % LTV ratio and asked them to remove the PMI from my account. RoundPoint told me that they can't drop the PMI until I get a new valuation ( order by them for my home - up to {$600.00} in cost to me ) or 2024 ( final termination ). Under the Homeowners ' Protection Act, the lender is required to cancel your PMI when the loan reaches a 78 % LTV ratio.

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 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have had accounts with bank for years. I had a premium checking account that all of a sudden was being charged monthly fees for because I couldn't maintain a certain balance that had not been a previous requirement. So PNC bank change my checking account to standard checking account with no fees however they then started charging me {$10.00} monthly service charge for my money market account because I dont maintain a certain balance or have a large enough auto monthly deposit. Neither of which were original terms. Can they just arbitrarily change agreement terms?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
Good morning, Thank you for taking the time to look into this issue that I have with my private student loan company Sallie Mae.

Enclosed you will find a letter that sent to them regarding the drastic drop of 75 points in my credit report due to a derogatory remark. In addition to the letter I also provided my bank statement showing the Sallie Mae withdrawals that had to be made in order for me to continue with the 1 ) No derogatory remark on my credit report and 2 ) Money to be put down so I can get into the deferment plan due to my job loss from Covid 19. As you can see this letter was sent to them on XX/XX/2020, and still have no response from them. 

Please help me get this matter resolved so I can get gradually get back on track. 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo refuses to remove PMI. LTV is 68 %. At the onset of COVID-19, I was concerned that I would lose all employment, I am a XXXX. I spoke to a Wells Fargo Representative who assured me that going into a forbearance status for 60 days would have no negative effects on my loan, credit reporting, etc. I used this opportunity to ensure that my finances were secured so that I would not default on my payments. I received notification from Wells Fargo ( after the fact ) that accepting this forbearance could, not would, affect my ability to remove my PMI payments of {$170.00} per month.

I immediately paid and brought the account current in XX/XX/XXXX, in addition to making an additional {$45000.00} payment. I requested that my PMI be removed. I am now being told that they consider my forbearance period as late payments ( 2 ) and that they would not remove PMI and that there would be no exceptions to this decision. In addition, they added another year for PMI removal. Initially scheduled to be removed XX/XX/XXXX to XX/XX/XXXX. 

What recourse do I have to remove PMI?

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 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have reached out several times with people who has been calling me about my student loans. I'm unable to get help. I've been told they mailed out paperwork to help me! But I've never received the paperwork. This was months ago and supposedly it has been mailed several times, still not receiving paperwork. I'm unemployed and have no income. I can't seem to get help with payments or any type of adjustment or help. They just want a payment that I don't have. They even asked me if I have a family member who can give me the money. Really! This is not my family 's fault or problem. They state that I need a payment to catch the account up than they can find a program that fits my needs. I'm lost here and Don't know what to do. I guess if I can't make a payment than I can't get any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: MO

Complaint narrative:
I signed closing documents on XX/XX/2020. During the process, I noted that a payment for homeowners insurance was being withheld as part of my closing costs. Additionally, nowhere in the closing documents did it detail the disbursement that would need to be made to the insurance company. 

As part of the refinance " tasks '' that are a part of the process Better uses, I had previously submitted proof of payment for that cost on XX/XX/2020 ( see attachment XXXX ) and requested that insurance be not included as a closing cost ( see attachment BetterHOItask ). When I contacted Better to try and rectify this, their agent stated that somehow the file I submitted must have been replaced with one that did not show the payment ( even though it does, see attachment XXXX ), and they did not know how it happened. The agent then stated I would have to take up the issue with the insurance company for getting a refund, though as of XX/XX/2020 the insurance company has no record of receiving any payment from Better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express the interest and payment from one month to the other in XXXX when I became unemployed for 7 months. They tried to take to court because they were asking XXXX first and then XXXX  monthly when my payment was XXXX dollars monthly. I negotiated a payment arrangement through XXXX XXXX XXXX for XXXX dollars and American Express accepted it on XX/XX/XXXX. They have been receiving monthly payments and are reporting to the credit bureaus payed as agreed. I have disputed this recently and American Express keeps adding past due high amounts and XXXX payments. This goes against the Fair Credit Reporting Consumer law. I am a single mother with a XXXX XXXX   daughter. Stop the abuse and report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
After several rounds of disputes with ChexSystems about this address there has not been any real investigation. I gave them a contact number to the Apartment community that they are supposedly representing on my report. The address that you are reporting is invalid as well as incomplete and can not truly be verified. To the least, the address has not been authenticated as per my requirement as you are falsely reporting inaccurate information on my report. I challenged ChexSystems to verify in their re-investigation an address that is not a valid United States Postal Service address according to the rules of the FCRA regarding re-investigations. ( COPIED FROM AFFIDAVIT ).

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 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Fraudulent Bills from beginning to end, Fraud, HIPPA, Privacy, Criminal Mischief Cease financial harm on purpose, it costed be about {$4000.00} to pay credit repair services to fix this, they hire XXXX  like XXXX XXXX who act like they are jealous of XXXX XXXX, all parties should make apology letter. My legal secretary will be calling and transcribe their inconsistency. Make them report full names, and social security because they all have Mr. XXXX Social Security Number and they will never respect privacy. 

Look at The Bills Attached Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , La . 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 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  authorized without notification a fraudulent ach transfer from USAA in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX for XXXX  XXXX, which is when I noticed the fraudulent charge. 

XXXX XXXX XXXX claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. 

Contacted Attorney General, State reps, and personal attorney. 

Causing extreme mental and emotional anguish. Police contacted for a wellness check. 

XXXX XXXX XXXX XXXX  claims they are unable to reach anyone at USAA. USAA claims XXXX XXXX XXXX XXXX  has no record of contact. Faxed information to USAA on XX/XX/20. 

Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have been trying to link my checking account to the investment site XXXX   and have been unable to do so. It is very frustrating because I am trying to start investing my money. I can not do so if I can not access my account through this app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
It was in XXXX of XXXX XXXX XXXX XXXX sold my Line of Credit to Specialized Loan Servicing. 
At first it seemed ok but, when I tried to create an online account to make payments they also, told me ( and laughed at me ) my loan is in bankruptcy and I didnt know what I was talking about. So, I mailed them and their attorney copies of the plan. Then, after 2 months they finally acknowledge I am paying and sending regular statements, I find ... they have misapplied my payments beginning with XXXX, which was received by XXXX on XX/XX/XXXX, being that the loan was transferred on XX/XX/XXXX making the first payment due to SLS XXXX. 

After months of endless phone calls, faxes, emails, and documents being mailed ... being told over and over on recorded phone calls we see the error and we will get it fixed, nothing changes. Nothing! XXXX XXXX would not help! In XX/XX/XXXX, I called XXXX XXXX again and that is when XXXX told me about Boss Law. 


XXXX XXXX XXXX claims that service was transferred to XXXX on XX/XX/XXXX due for the XX/XX/XXXX payment. Also, that SLS is unable to comment on the servicing of the account that occurred with the prior servicer. Yet, they claim to know my payment was for XXXX when it was for XXXX! There is one reason they may claim an amount was due for XXXX of {$28.00} which XXXX did not receive until XX/XX/XXXX. But, that was forwarded to them, they have it in their records! 

Once they even tried to claim it was the XX/XX/XXXX payment that was late, since it was the same payment amount. 

Here is a simple history of what happened : XXXX - {$520.00} recd XX/XX/XXXX XXXX  XXXX - {$520.00} recd XX/XX/XXXX XXXX  + {$28.00} recd XX/XX/XXXX XXXX   = {$540.00} XXXX - loan transfer XX/XX/XXXX to SLS XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$530.00} recd XX/XX/XXXX SLS + {$48.00} recd XX/XX/XXXX SLS = {$580.00} XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$540.00} recd XX/XX/XXXX SLS XXXX - {$520.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS The reason for payments being in 2 payments is because I didnt always know the current amount due. 

XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$490.00} recd XX/XX/XXXX SLS XXXX - {$480.00} recd XX/XX/XXXX SLS XXXX - {$440.00} recd XX/XX/XXXX SLS XXXX - {$450.00} recd XX/XX/XXXX SLS I will continue with this when I receive the statement for XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
i call to request a copy of my original card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase Freedom credit card and have accumulated close to {$2000.00} in rewards. Chase recently closed my credit card due to inactivity and removed all my rewards without attempting to let me know. This is devastating as I just lost all my money that I worked to get over the past decade. Can you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T Bank authorized without notification a fraudulent ach transfer from XXXX in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified M & T Bank. M & T Bank informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX  for XXXX   XXXX, which is when I noticed the fraudulent charge. M & T claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. Contacted Attorney General, State reps, and personal attorney. Causing extreme mental and emotional anguish. Police contacted for a wellness check. M & T Bank claims they are unable to reach anyone at XXXX. XXXX claims M & T Bank has no record of contact. Faxed information to XXXX on XX/XX/20. Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.

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