vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: IA

Complaint narrative:
I paid my mortgage below 78 % as of XX/XX/2019. It is my understanding that once below 78 % PMI should be removed automatically by the servicer. After my XX/XX/2019 payment still had PMI I called Guild Mortgage to ask why it had not been taken off. The representative said it is supposed to automatically be taken off, however, I need to request it be taken off in writing and it will take an additional 2 months after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  processed our request for mortgage modification XX/XX/2017. 
I received the Trial Modification agreement dated XX/XX/2017. My first trial payment was due XX/XX/2017 with XXXX XXXX XXXX. The three trial payments were made to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating my mortgage servicing was transferred to Rushmore Loan Management after I made the 3rd payment.. I spoke with Rushmore customer service several times and they assured me my payment wasn't changing and they were processing the final modification documents. 2 weeks later I received a property foreclosure sale notice in the mail, I spoke with Rushmore customer service and they stated they were not going to honor the modification received from XXXX XXXX XXXX and that my payment had increased to approximately {$2200.00}, Rushmore continues to increase my mortgage payment. XXXX XXXX the relationship manager has been unwilling to correct this awful situation. I don't want to lose my home to foreclosure. I will resubmit my request for mortgage modification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: GA

Complaint narrative:
I keep calling this company XXXX XXXX they are in house finance they keep playing with my credit they discriminate if they do not like you they will mess your credit up I keep paying and they report me diliquunt on my credit everytime if I call and explain they are roof and lie I cant believe them I have 11 creditors this is the only one I have issues with they are a living nightmare I cant get out if they are making me miserable I dont want to be reported as a bad person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i can go on no one does this I even get curtousey of removing a late fee once from them thats other cc but XXXX they are the a devil no warning nothing the day I made s payment was the day it was due no one said they already same day reported to credit bueru but they are in house they dont have to its a choice they will keep doing it if they dont like you then the lady threatened me to go to magistrate court if Im late again and harasses all my contacts I put in application is this legal

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 2019-02-13 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: VT

Complaint narrative:
I filed a petition for Chapter XXXX bankruptcy on XX/XX/XXXX. This petition included a XXXX Bank XXXX XXXX XXXX credit card account that had a past due balance of {$2400.00} dollars. I have included the petition that shows this. On XX/XX/XXXX, my unsecured debt ( including the XXXX Bank XXXX XXXX XXXXXXXX XXXX credit card debt ) was discharged through the bankruptcy discharge. I have included a copy of the order of discharge. On XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX was notified electronically of the discharge and on XX/XX/XXXX a notice of the bankruptcy discharge was sent via first class mail was to XXXX Bank XXXX XXXX XXXX. I have included the Certificate of Notice. 

On XX/XX/XXXX, I opened a dispute using Experian 's online Dispute Center as the information being reported by XXXX Bank XXXX XXXX XXXX showed a past due balance of {$2400.00} and was still reporting negative reporting. On XX/XX/XXXX, Experian updated my dispute saying that XXXX Bank XXXX XXXX XXXX certified that the reporting was accurate. 

On XX/XX/XXXX, I saw that the negative reporting was still on my account -- though every other account including in my bankruptcy have been updated to a PAID status and included comments that the debt was included in a bankruptcy discharge. I therefore initiated another dispute. ( NOTE : Some of the other credit cards also show a remaining balance though they have a PAID status ; I have initiated a dispute with them as well and am still awaiting the results ). 

XXXX Bank XXXX XXXX XXXX re-certified the information as accurate. I am writing because the information is not accurate and is negatively affecting my credit score. I have supplied all the documentation that shows that this debt was discharged lawfully in bankruptcy and that this account should reflect so -- with a {$0.00} balance and NO PAST DUE STATUSES since the discharge. Additionally, this account seems to be reported accurately on my XXXX credit 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 non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019, I received a letter of explanation from Synchrony Bank regarding the privacy violation that I previously reported. 
This letter simply explains resolution of prior reimbursement and acknowleges that they had sent another customer 's letter to me ( XXXX XXXX, case # XXXX ). The letter simply expresses understanding of my report. 
At no time does the letter explain where my original response was sent or if MY PRIVACY was violated. Furthermore, at no time does the above dated response apologize for the error or even acknowledge that Synchrony bank made any errors. 
This is a bold and offensive way for a bank to respond after such an egregious violation.

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 2019-02-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.

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 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I have been working for XXXX and XXXX  for the past ten years while dutifully making student loan payments via direct debit. When I submitted an Employment Certification Form ( ECF ) in XX/XX/XXXX my XXXX XXXX account ( # XXXX ) noted that I had 5 out of the 120 qualifying payments left and that I would be eligible for forgiveness on XX/XX/XXXX. When I submitted what should have been my final ECF on XX/XX/XXXX along with an application for forgiveness the response on XX/XX/XXXX from XXXX was a denial because I had not made enough qualifying payments ; it seems that an audit had reduced my qualifying payments to XXXX. During a call to XXXX that day the staff looked at my payments and said that I should qualify and flagged my account for a recount. I have asked XXXX for a list of my payments and they said they could provide me a list from XXXX and my previous servicer, XXXX, but I have not yet received this information. When I looked at my account today, XX/XX/XXXX the number of payments reduced to XXXX. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
BMW Financial instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XXXX I called BMW and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XXXX and then XXXX on XXXX. My actual payment is XXXX after 6 % tax on the lease. 

InXX/XX/XXXXa customer service rep said she couldn't take my payment over the phone and to pay on the BMW financial website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XXXX payment date. I called in to change my payment to the XXXX of the month back in XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XXXX after I got calls from BMW saying I was late, then I paid XXXX, XXXX and called BMW financial to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. BMW allows you to change your payment due date during the lease. I called BMW financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with BMW financial and they are not my fault, they are BMW financials error. My lease is done soon and this error will prevent me from leasing thru BMW and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru BMW but this is really unfair and wrong. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I lost my home in the Northern California Camp Fire. My insurance company issued me a check for {$210000.00}. My principal balance on my mortage was {$98000.00}. The check had my name and Ditech Home Loans as the Payee. I send the check to their claims department. I wrote Ditech a letter asking that my mortage be paid off and the remainder sent back to me. I sent the letter and the endorsed check via XXXX to Ditech, which they received on XX/XX/XXXX. I have called numerous times asking where my remaining money was, when were they going to close my mortgage and do a lien release and when they were going to send me the over-payment amount back. The last time I called was today XX/XX/XXXX. I was told that my check was applied as a payment and they had not closed my mortgage out. They could not tell me when I would received my over-payment check. It has been 2 month since they have had my funds and I need my funds to get my family back into a house. I don't know what to do. My Ditech account # is XXXX. The customer service number that I have been calling is XXXX. The account is under the name XXXX XXXX, though my name as reverted back to my maiden name : XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
Over the past 3 months, I have received repeated and incessant telephone calls to my cell phone number from a company called AMCA ( XXXX XXXX XXXX XXXX ). The calls begin at XXXX XXXX and do not end until XXXX XXXX. 

I called back the telephone number and asked a series of questions including verification of my address and date of birth, but the company could not find an account with this information. Therefore, I concluded that this company had no legal right to continue calling and leaving me messages over a debt which it can not verify or validate. I have not received any letters from AMCA pertaining to any debts and did not give this company permission to call my cell phone and harass me. 

When I added one of their telephone numbers on the XXXX XXXX XXXX XXXX list, the company continued calling using a different number and each time someone from XXXX leaves a message. The company is using fictitious United States physical and mailing addresses but the calls come from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Data Corporation
State: TX

Complaint narrative:
Our family business, XXXX XXXX XXXX, is owned by XXXX XXXX. Our day manager, who only knows very limited English, got a letter in the mail that to her looked incredibly similar to the XXXX XXXX EBT letters, so she filled out the form and promptly sent it in, not knowing that that was a 3rd party processing company that is not affiliated with EBT or SNAP. The letter was sent from XXXX XXXX XXXX XXXX XXXX., which was received late XX/XX/XXXX. The company then sent us a completely new EBT machine, one that was faulty and unnecessary, and we immediately sent it back and attempted to cancel the services completely on XX/XX/XXXX. Despite us sending it back and filing for cancellation, the company persisted that we could not break the contract for 48 months and has been demanding payment on equipment that we immediately returned. The first bill was posted overdue on XX/XX/XXXX due to our credit card not being on file anymore ( from the cancellation process ), and as of recently, we have received a final demand on XX/XX/XXXX of {$6700.00}, which was sent by XXXX XXXX XXXX XXXX in XXXX, CO. Moreover, on XX/XX/XXXX, we received correspondence that First Data just now got our cancellation request, firmly stating that their machine be returned immaculately, which, again, was sent back to them promptly last year in early XX/XX/XXXX. Furthermore, we have spoken over to phone to First Data and XXXX XXXX XXXX, and they claim that they do not know where our returned machine is and that, regardless, we are bound to make payments on this equipment for 48 months. This is clearly a predatory company, sending letters that look similar and that require the exact same information as the real, government XXXX XXXX   EBT letters do.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've pulled " 3-in-1 '' credit reports from Experian on myself and my wife over the past two years as we acquired property and are building a home. I recently started going through all the charges on my credit cards to look for any signs of fraud. I found it and the fraud is being committed by Experian. They are charging me for " credit protection '' services that I never ordered. Worse they are double charging me for the same service on two different credit cards. 

I've been trying to reach someone at Experian to dispute these charges and YOU CAN NOT REACH A PERSON. You navigate a draconian maze of automated prompts that all dead end. This can not be an accident. I've found numerous numbers online and numerous XXXX searches from other people unable to reach a person at Experian. 

The only fraud I found in reviewing a years worth of credit card statements was committed by a credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I have a mortgage that is now owned by PennyMac. The original home was appraised for {$170000.00} and the current balance is {$140000.00} which is 79.5 % loan to value ratio. I called up the company to have my PMI removed and they declined with the reason that my LTV is not below 80 % yet and so PMI can not be removed. This is a false statement! 

I also called them on XX/XX/2019 at XXXX pm and they did accept that the LTV ratio was below 80 % but they wouldn't remove PMI until the termination date of PMI. I asked if they would do, if my LTV was 78 % or lower and they declined that as well and said the only way to now remove it is to request a Brokers Price Opinion ( which I have to pay for and it may cost between $ 100- {$300.00} ) or an appraisal which would cost ( $ 400- {$1000.00} ).

The information I have read about everywhere says that once LTV is 78 % or lower, it should automatically be dropped, but Penny Mac refuses to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I have sent documentation to both parties, ( the original debtor " XXXX XXXX XXXX XXXX XXXX   and US Collections West In. ) that the information that us west is reporting on my XXXX credit report is inaccurate and the debt was discharged in 2012 and is now being reported on my credit file filled with inaccuracies. The account in question had been previously stated on older credit reports as included in bankruptcy and now that statement has been unlawfully deleted/removed in the comment section of my credit report. It is now seven years later after being discharged in bankruptcy and they still refuse to follow the FCRA guidelines and are currently attempting to unlawfully collect on a debt, adding extra fees to the debt and refuse to acknowledge the fact that this is no longer a collectible debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
They call my phone at least 5 times a day. I am aware of my debt and have asked them not to call me anymore as I've already told them I would call at the end of the month to arrange things. I've now asked them 3 times to not contact me and that I will. on or around XX/XX/19 XX/XX/19 and now XX/XX/19. It's obnoxious at this point ... they call when I'm at work and they continue to try to talk to me when I'm calling to tell them to stop. I'm fed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I bought a jewelry from zales they told me I have 18 months to pay for the {$1000.00} piece they have overcharging me with late fee and didnot take the payment on time from my XXXX XXXX XXXX Bank account ; They also took money from the wrong account and in BoA account and XXXX XXXX XXXX charge {$65.00}. They also sold my account to another bank ( XXXX ) XXXX XXXX.The balance right now is {$550.00} which is wrong. It should be {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.

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 2019-02-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.

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