vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Due to my house under appraising I was required to borrow greater than 80 % of my home 's value for my mortgage, in XX/XX/XXXX. Because of this, I had a monthly mortgage insurance payment of {$61.00}. Approximately one and a half years into the mortgage, I reached out to my lender, new rez, and asked how I would be able to have the insurance payment removed. They advised that if I were to pay {$400.00} for a new appraisal, and if my new appraisal demonstrated an LTV of less than 80 %, they will be able to remove the monthly insurance payment. I did the new appraisal in XX/XX/XXXX, which demonstrated a current LTV of 76 %. However my lender did not remove the monthly insurance payment, stating that it did not matter what the new LTV was, rather what the original LTV was, which was greater than 80 %. I explained that if that were the case, there was no point in doing a new appraisal, as there was no way to go back in time and lower the original LTV at the time of the loan orgination. I spoke several times to different customer service reps and explained that this was unfair as I was given incorrect information. I would never have paid the {$400.00} fee to do a new appraisal if there was no benefit of doing the appraisal if there was no chance to remove the monthly insurance payment. I contested the appraisal fee with my credit card company as I felt that this appraisal was done under false pretenses. However my lender added the fee onto my monthly mortgage payments and ultimately help me responsible for that fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While XXXX  and XXXX  allow you to freeze and unfreeze your credit by logging into your account, Experian does not offer this option and deceptively tries to up-sell to a XXXX product that allows you to freeze and unfreeze your report " in real time '' at the outrageous price of XXXX XXXX/month. 

I then tried to temporarily thaw my credit through the buried page for which you can do this free of charge. I froze my credit back in 2017 and got a PIN from Experian which I had saved in my password manager ; of course, I entered the PIN and it does not work. 

Experian should not charge for the basic service of freezing, thawing, or unfreezing credit. Neither of the other two major credit bureaus do ; they hide the option they're legally required to provide for free after the credit bureaus irresponsibly handled consumer data.

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 2020-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been having this problem for over a year with this collection company called pioneer. They claim that I owe them money, but I am currently paying the US department of education for my loans already. They've asked me to submit payment information, I have. I've sent them images of my paycheck garnishing, and they're still trying to charge me while the Federal department of education is already charging me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I open the Barclay 's XXXX XXXX Business Credit Card back in XX/XX/XXXX. It was advertised with a sign-up bonus of XXXX  for {$1000.00} spend and then an additional XXXX  for signing up an Authorized User and making a purchase with that card, all within 3 months of opening the credit card. I received the XXXX  miles, but never the extra XXXX The purchase from the Authorized User 's card was made on XX/XX/XXXX ( see attached proof ). I followed-up with Barclay 's on this missing bonus at first on XX/XX/XXXX. The person I spoke to was able to verify they had the purchase on their end and that it should have triggered the bonus, so she didn't know why the bonus didn't post. She said she will open an inquiry to find out. I called back on XX/XX/XXXX as I noticed the bonus did not post yet. On this call the person said there was no status update yet, but she they will send it back again. I called back again on XX/XX/XXXX as nothing has happened, and I was given the same information that there was no status update. On this call, I also closed the credit card as the annual fee was due and with COVID-19, I have no travel plans for the foreseeable future, so the airline benefits of this card were not worth the annual fee. I told the person that I would keep the card if they would waive the annual fee, but they would not do so, so I canceled the card. And since I canceled the card, they said there is nothing that they could do about the missing 10,000 bonus miles that I was supposed to received for adding an Authorized User and having them make a purchase with the 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
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: WY

Complaint narrative:
Can't connect to XXXX, XXXX? Also, it used to work like 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: IN

Complaint narrative:
I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I've had a third party linked to my account and now PNC won't allow it to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: IN

Complaint narrative:
I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.

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 2020-07-27 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: IN

Complaint narrative:
I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.

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 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX a collection agency name professional bureau of credit their address is XXXX XXXX XXXX XXXX XXXX co XXXX. Their phone number is XXXX XXXX they unlawfully added a collection account on my XXXX XXXX credit report also this is fraud not mine also collection accounts and judgement s no longer suppose to report on credit reports that's a new law their violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
RE : Method of Verification Request Dear Experian : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX ( XXXX ) Balance {$850.00} - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$3100.00} - XXXX XXXX XXXX Balance {$1100.00} - XXXX   XXXX ( XXXX ) Balance {$5800.00} - XXXX XXXX ( XXXX ) Balance {$1300.00} - XXXX XXXX Balance {$5000.00} Corporate Account from previous employer Balance $ XXXX Closed paid in full I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ONE BANK the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00} past due allegedly as of XX/XX/XXXX. A violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

CAPITAL ONE BANK is also in violation of NOTICE OF SURETY ACT & BONXXXX No. RE XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No. XXXX recorded in XXXX County real estate records viewable at XXXX. 

For the record, as pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge Settlement '' and 'Closure ' to include but not limited to all so-called debts CAPITAL ONE BANK may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have had my business accounts closed from Bank of the West for quite some time now and imagine my surprise when I recieve a letter in the mail and several emails regarding an online platform migration as well as the new service charges that I would be assessed. I am afraid that my account information was not properly closed or that it was opened without my consent - this feels eerily similar to what happened at XXXX XXXX a couple of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
I purchased a condominium on XX/XX/XXXX and the lender that provided me the mortgage was XXXX XXXX. On XX/XX/XXXX, this lender was acquired by Ameris Bank. 
Since that date, my monthly mortgage payment increased from {$1000.00} to {$1200.00}. In XX/XX/XXXX, I communicated with Ameris Bank and they requested copy of the Master Insurance of the building to be able to adjust the amount. In XX/XX/XXXX I called them back because the mistake was not fixed. Ameris bank answer was that after they reviewed the Master Insurance form noticed that the increase was cause not by the Master Insurance, but by the increase of the Property taxes so,  they requested the copy of the Property taxes bill. I sent to them copy of the bills from XXXX and XXXX and the difference between those years was just $ XXXXThis showed them that neither the Property Taxes was the reason for the increase of my monthly mortgage. 
During all this time I continued making the monthly payments because I did not want to damage my credit. In XXXX and XXXX, I send the amount they requested ( {$1200.00} ). In XXXX I decided to pay the original monthly mortgage payment of {$1000.00} because they did not have a reason to increase it. 
In XX/XX/XXXX, they decided to take the XXXX payment and put it in a Suspense Account, so they never reflected the XXXX payment for the contrary they started calling me and sending me to collection without a reason or explanation of it but they damaged my credit history. I have been doing everything that they requested me. In XXXX the send me a letter stating the my new monthly payment was adjusted to {$1000.00} without any explanation but they never went back to records to adjust the XXXX, XXXX, XXXX and the XXXX payment was still in the Suspense Account so they are reporting me since then that I never pay that month. 
I have been communicated with they through they server as per their request, but they stopped responding to my email. 
I called Ameris Bank to request information of their Legal Department to be able to send them a Qualify Written Request and they told me that they do not have a Legal Department and they did not know what was a Qualify Written Request. I spoke with a supervisor and she told me that they only option I had was to pay the missing monthly payment. 
On top of everything, they have gotten my payments before the XXXX of each month and they are showing them as late payments. 
Please help me to resolve this issue of the missing payment, to fix my credit report history and to stop their collection department to harass me. This is their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I receive promotional offer from Citibank on Citi / AAdvantage Platinum Select card, on XX/XX/XXXX through Email offer with special invitation code, I applied this card using the invitation code on XXXX and I have made eligible spending over {$3000.00} by XX/XX/XXXX. 
However, Citibank never redeem and provide the XXXX AA bonus miles per advised. 
I have talked to the customer service but they comment that there is no such offer linked to my account. 

Email : Earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within the first 3 months of account opening with the Citi / AAdvantage Platinum Select World EliteTM Mastercard. * The annual fee of {$99.00} is waived for the first 12  months. 
Apply now Apply today using your non-transferable, exclusive invitation number XXXX. This number can be used one time to apply for this credit card offer. Offer expires 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