vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent in a complaint to the XXXX on Equifax. On XX/XX/XXXX I received the message from Equifax by phone that they have not removed the hard inquiry from XXXX XXXX. The representative from Equifax said that XXXX XXXX needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that XXXX XXXX DID in fact notify Equifax to delete the hard inquiry from my credit report ... Equifax is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I believe my bank, XXXX XXXX XXXX, is in violation of the Homeowners Protection Act of XX/XX/XXXX regarding the cancellation of PMI. According to this act, the law requires home mortgages signed on or after XX/XX/XXXX to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains 22 % equity in their home, based on the original property value ( lesser of purchase price/appraised value ). The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the date on which the principal balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. 


On XX/XX/XXXX, I made a {$3000.00} payment to my principal. The bank did not apply it to my principal. I called and on XX/XX/XXXX, they corrected the mistake ( this is documented with them ) and backdated the principal payment to XX/XX/XXXX. 

At that point, my principal balance reached 80 % of the original value of the property based on actual payments. According to the HPA, my PMI should have been automatically cancelled. I called and spoke with someone at M & T on XX/XX/XXXX to ensure that it would be cancelled ; I was told that paperwork would be filed. 

On XX/XX/XXXX, my monthly mortgage bill was automatically deducted from my account as always ; I saw that PMI had been deducted. I called M & T again and was told that this was because the mortgage was in arrears and that the PMI would be removed for the XX/XX/XXXX payment. 

On XX/XX/XXXX I received a letter from the bank stating that my PMI Waiver was approved and that I would receive an escrow analysis within 60 days. 

On XX/XX/XXXX, M & T again withdrew PMI. I called today, XX/XX/XXXX, and was informed that the paperwork for PMI takes " awhile '' and so during the interim I would have to continue to make the PMI, but that my XX/XX/XXXX payment would not deduct it. I was told I would not be refunded for the PMI they took out after the cancellation. 


If I understand the HPA correctly, the date of termination should have been XX/XX/XXXX and, at that point, the PMI should have been canceled. I understand that it was in arrears, but M & T 's claim of " paperwork processing time '' seems to be in contrast with the HPA 's wording of " automatic cancellation. '' I believe that M & T is acting fraudulently, and that I am protected under the HPA act. I suspect that other consumers are being treated unfairly, as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a 60 DAY late payment on my Credit. 

I have returened my XXXX XXXX after lease was over to the dealer, on XX/XX/XXXX. 
On XX/XX/XXXX i received a collection letter from XXXX XXXX XXXX that i have a balance of {$220.00} for bumper damage on my car. Which i paid the same day hoping that they will not report to credit bureaus. 
The problem is that when i was returing the car back in XX/XX/XXXX at the dealer they told me that i do not owe any money to XXXX XXXX XXXX for bumper damage or any minor scratches beacuse i had an Excess Wear & Tear Protection for {$5000.00} and i have all supporting documents. 
I tried to dispute the error with XXXX XXXX XXXX but they do not want admit their mistake and remove that 60 day late from all major national credit bureaus. 
All my attempts to exlain them that i would never miss a payment and damage my credit history, specailly that i have 2 other open accounts with XXXX XXXX   XXXX, and have always made my payments on time, did not convince them to currect their mistake. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On my XXXX credit report, there is Capitol One/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through XXXX, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. XXXX should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( Capitol One ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my  employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX loan from 2011 was reported as last payment received on XX/XX/2011 for XXXX and XXXX. Equifax is saying its XX/XX/2011 and will not be removed until after XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XXXX. This XXXX account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Federal Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Transunion has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed TransUnion Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the letter from the Bankruptcy Court is attached that says it does not disclose information to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I fell behind on my mortgage about 6 months ago due to separating from my wife and then my mother passing, two of the roughest moments in my life. I tried to reach out to Carrington to make up my payments but they wanted everything in full, which being on a fixed income of SSI, I could not realistically do. Then the other day I received a Notice of Trustee sale for a sale date of XX/XX/2018,  not even 10 days notice to prepare for other options or try to seek for help. I am aware that the Notice of Trustee sale should be notified within 22 days of the sale date which it was not. I am familiar with the HBOR laws and I was never provided with a point of contact throughout this foreclosure process, Carrington never offered or told me to submit documents to be reviewed for any type of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
My account was negative {$40.00} on XX/XX/XXXX. I made a cash deposit at an ATM that evening at XXXX of {$41.00}. The account was positive XXXX  cent. On XX/XX/ I also recieved a direct deposit in the amount of {$370.00}. The bank charged me {$180.00} in fees and stated my deposit of {$41.00} didnt apply until the XXXX of XXXX not XX/XX/XXXX. I brought in the receipt of the deposit from the ATM which clearly stated the deposit had been made onXX/XX/XXXX. The bank refused to credit the overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: WI

Complaint narrative:
I have been giving a hard time disputing inaccurate information off my credit report. I have disputed several items from report in which has effected me from getting credit. One item is a bankruptcy i have disputed this item several times. all three credit bureau say that the United States Bankruptcy Court has verified the information of which is inaccurate.

According to FCA credit bureau are to verified through the furnisher not a third party. i have supporting documents stating that the furnisher do not report to any credit agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ReliaMax Holding Company
State: IL

Complaint narrative:
During high pressure meetings with XXXX XXXX XXXX I was pressured into enrolling and taking on a loan in the amount of about {$70000.00} with XXXX XXXX XXXX. This was to be used to pay for my entire XXXX XXXX training program in advance. In 2006, the school filed for chapter XXXX bankruptcy and offered no forgiveness or help with this loan. We filed a class action suit to have this debt wiped away, but it was settled for a lesser amount. I was still left with a loan of about {$33000.00} to pay for. My training was never complete and I am not eligible for employment as a pilot in any capacity. Basically, I received {$33000.00} worth of helicopter rides. Recently, my loan was sold to Reliamax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Veros credit collector XXXX XXXX has repeatedly contacted me at work despite being told numerous times not to. I have told them verbally and in writing to not call me at work and to not contact my employer. They have continued to do so. I had verbally told them in XX/XX/XXXX, then in writing on XX/XX/XXXX. The final and more recent time was XX/XX/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 2018-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC
State: HI

Complaint narrative:
This was opened XX/XX/2017. I didn't not get this loan in person or online. Two individuals that are XXXX distributors were going door to door selling vacuums in our neighborhood which is government housing. ( We were not aware until after purchase that they are not allowed to be doing so ) They called this company where we have the loan, Preferred Credit. Me and my husband do not feel as if we should pay them anymore due to the distributors going about this illegally. If they refused to close account and take off of our credit report we will have to get my husband 's command involved and JAG ( military legal team ) We attempted to go in person and return item but the address given took us to an abandoned building. They're are several complaints in our neighborhood about preferred credit and these distributors as they are basically teaming up and getting over on military spouses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Card Service & XXXX  XXXX are reporting a negative balance on my credit but this debt was included in my DISCHARGED Chapter XXXX Bankruptcy - XXXX docket. 
By law they are not to continue to damage credit and attempt collection of debt after a discharged bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
OnXX/XX/2018. I applied for a loan modification so that my monthly mortgage payments is to be lowered to under {$500.00}. I have been asking for this ever since I became a separated divorced low income senior citizen and had my hourly wages reduced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FACTUAL DATA CORP.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent in a complaint to the XXXX on XXXX. On XX/XX/XXXX I received the message from XXXX  by phone that they have not removed the hard inquiry from Factual Data. The representative from XXXX said that Factual Data needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that Factual Data DID in fact notify XXXX to delete the hard inquiry from my credit report ... XXXX is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Auto loan from XX/XX/2011 was reported as last payment received on XX/XX/2011 for XXXX   and XXXX. XXXX is saying its XX/XX/2011 and will not be removed until after XX/XX/XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XX/XX/XXXX. This Chase account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: AL

Complaint narrative:
On my Transunion credit report, there is XXXX XXXX/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through Transunion, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. Transunion should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( XXXX XXXX ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation