vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
In XX/XX/XXXX I submitted principal payments on my mortgage due to the sale of my prior residence which reduced the balance to less than 78 % LTV ; based on the original value of the home. The home had been purchased in XX/XX/XXXX. Based on the rules established in the Homeowners Protection Act, I believe that should have automatically relieved me of my PMI obligation. ( As of XX/XX/XXXX, my LTV is around 50 %. ) I believed this would be released automatically, based on the regulation. However as weeks went on and my regular payment amount was not adjusted, I gave them a call. They said to email ; which I promptly did. The response to the email came via mail ; when they informed me that they would not be removing the PMI without a new evaluation being completed ; which I would have to pay for. 

I spoke to them again about this on the phone in the month of XXXX and I was advised that it is standard to have to pay PMI for 2 years regardless of the LTV but I do not understand why. That doesn't seem right. 

Am I missing something in the regulation? As far as I can tell it should have been removed way back in XXXX. I am currently working on refinancing the debt, in part to take care of the issue, however, in the meantime, this is causing me financial harm as I have currently now paid the PMI for 3 months when I don't believe it was needed. Depending on how long the refinance takes to process through, it will be close to, if not over {$200.00} out of my pocket for a loan where there is no increased risk to the Bank. I've never missed a payment and it's at 50 % LTV.

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 2019-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I switched addresses with XXXX XXXX and had been and continued to have automatic payments withdrawn from my bank account. XXXX  overcharged my new account number but maintained an amount due for old address. XXXX  admitted error and I was told the problem was solved. I began getting calls from Diversified Consultants saying I still owed XXXX. I provided proof and they reported a delinquency to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is against Macys # XXXX. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Macys to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Macys, stating the removal of FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and have the account remove, but if you want to go to court, that way it shall be. Thank you!

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 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX reporting a {$2.00} XXXX mortgage and reporting late payments.No such mortgage i received ever!! XXXX XXXX and XXXX XXXX XXXX completely destroyed/destroying my excellent credit score for past year. 
XXXX XXXX and XXXX XXXX XXXX reporting fraudulently, with malicious intention to extort and harras myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JP Morgan bank/ Chase Bank is reporting a credit card on my credit report that I have NEVER applied for and is fraudulent. 

This account was supposedly has a {$1200.00} limit with a {$1300.00} balance. I DID NOT apply for nor use this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 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: DISCOVER BANK
State: AL

Complaint narrative:
I have a fraudulent account from Discover Bank reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back in 2015 Capital one has opened two fraudulent credit accounts, one for {$3600.00} and the other for {$4000.00} under my name, I have contacted them many time letting them know that I did not opened any account with them, but they keep discarding my requests. I have filled with FTC for identity theft and have sent a copy of the report to Capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 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: AL

Complaint narrative:
I have a fraudulent account from XXXX XXXX  reporting on my 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 explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I noticed someone use my information to open credit card on the begining of XXXX, some credit card company call me to verify if I open the card, I start a fraud alert on XX/XX/2019, on XXXX, I thought I put a alert, it should be ok, but yesterday, XX/XX/2019, I saw on my XXXX  account, there are two huge balance I didn't recognize, wells fargo bank ba and XXXX/XXXX  XXXX, these two credit card I didn't open, also XXXX/XXXX  XXXX is not my acount too, I contact XXXX/XXXX  XXXX  and told them it is fraud, but wells fargo bank ba no one answer the phone. please let XXXX  recover my credit score thanks

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 2019-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have a debt for {$560.00} on my credit report that was originally reported XX/XX/XXXX. After checking my report today, the {$560.00} is listed as a new debt with a new reporting date of XX/XX/XXXX. I received a letter from the company of a new debt for {$88.00} that would be added to my credit if not paid in 40 days. I was given a reference and invoice number to pay that debt. That debt was paid and not reported on my credit. I want the the {$560.00} debt removed from my credit as it appears this is a new debt and has affected my score. No where did it say I was paying on this debt for it to be reported as new activity. I have proof this is an old debt and proof of the new debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This is in response to case # XXXX filed XX/XX/19. I did call XXXX @ XXXX XXXX XXXX XXXX XXXX ext. # XXXX on XX/XX/19 to dispute her response to my above case number. As of this date, XX/XX/19 she hasn't responded to my call. Everything that was submitted by her to you is fabricated. 
I have never, ever received a single one of these paper bills that are listed by her on behalf of Capital One Credit Card while my card was open and in use. I was sent many of the said paper bills after I was refused a second time to receive paper billing per my request then closed my account and continued paying well over the minimum due amount on time monthly for two years while the owed amount continued to escalate. I stand by my original complaint and I am owed reimbursement from Capital One Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Reported fraudulent reporting to all 3 agencies, XXXX, Equifax, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 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: NJ

Complaint narrative:
Reported fraudulent reporting to all 3 agencies, XXXX, XXXX, Transunion. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 +  months, totally decimating my excellent credit.

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 2019-12-25 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: NJ

Complaint narrative:
Reported fraudulent reporting to all 3 agencies, Experian, XXXX, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.

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 2019-12-25 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My complaint is against Chase account # XXXX CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Chase Bank to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Chase, stating the removal of the FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the account remove, but if you want to go to court, that way it shall be. You didnt even investigated the case with a Federal Trade Commission Report stating what happen. Im trying to avoid court here for a negligence you committed, I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2019-12-25 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: CA

Complaint narrative:
I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency Experian XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about 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 non-monetary relief
Consumer complaint received 2019-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2019-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capitol One has restricted my access to my credit card account.They say they need to verify my identity but all documents that I have sent through their secure email link and fax line have been rejected making it impossible for me to verify my identity to gain access to my account and I have also been forced to put a freeze on my credit and a fraud alert on my credit reports because I have no way of knowing who at Capitol One is gaining access to the documents I have sent so far.Calling their customer service line I am put straight through to their fraud department where due to the heavy accents of the people that answer the call I can not understand most of what is being said and they are convinced I am guilty of some type of fraud for trying to log into my own account with no proof and refuse to do anything to fix this issue and I have been hung up on repeatedly.This credit card account is in good standing and has been open since 2012 with no issues with account until this..The entire time I have had this account they had always acted in a professional manner until this issue now they are acting in a very rude unprofessional manner and refuse to come up with a way to fix this issue.HELP! Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency XXXX  XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
ERC ( Enhanced Recovery Company , LLC ) is attempting to collect a debt in the amount of {$1200.00} ( Ref. Number XXXX ) from me for the creditor of XXXX   XXXX. I never spent or made any purchases in this amount through either the bank or through XXXX. I have called XXXX and confirmed that there was never a charge in this amount on my account. 

They called me at my employer and I told them I thought they were a scam and wanted more detailed information. They now sent me a letter in the mail for a collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hawk Inc
State: SC

Complaint narrative:
Hi, my name is Ms. XXXX XXXX. Back in XXXX I filed a complaint against Lenders Loan Company at XXXX XXXX XXXX XXXX SC XXXX. Case number XXXX. From my understanding before it was closed. I thought the Lenders Loans had closed my case, my account. Is that right? If so, I was summons again by these people on XX/XX/2019 and the magistrate papers are dated XX/XX/2019. Why are they serving me again when the case is closed on their end. I don't understand. What can be done for this company to leave me alone. I am a XXXX XXXX with severe problems and a single parent and trying to live for my kids. I been out of work off and on with health issues with myself and my young daughter XXXX XXXX   at school and fall up stairs XXXX  her XXXX.These people are really stressing me out. Can you all please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: ERC
State: SC

Complaint narrative:
I have contacted Enhanced Recovery Systems for XXXX XXXX and XXXX XXXX XXXX for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX  data breach, and I am handling that situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
The bank auto creates a false transaction of XXXX $ to avoid a transfer of {$2000.00} that generates on the account a fee of {$5.00} and another for {$1.00}.

Company response to consumer: Closed with explanation