vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
In XX/XX/XXXX, I filed to have the PMI evaluated on my home due to significant upgrades. I followed the process that Huntington Bank 's PMI specialist informed me to follow. I submitted written paperwork documenting all upgrades, exceeding {$70000.00}, as well as payment for an appraisal. Huntington Bank says that I must use their appraiser in order to remove PMI, so I mailed a check for payment for the appraisal with the documented upgrade. I was told that once payment was received they would reach out to schedule the appraisal. In XX/XX/XXXX, the payment was received and cashed. I never received communication to schedule the appraisal. I called and emailed Huntington Bank countless times and left voicemails with their escrow department. The escrow department has never answered the phone and only returned XXXX phone call in the past 21 months, to which I was unable to answer at that exact time. In XX/XX/XXXX, I spoke with a customer service agent at Huntington Bank and informed them of the situation. They claimed they had fixed the issue, when in fact they simply began a new application with no information collected from me or given to me. They told me to expect a phone call within a few days. I never received a call. I received a letter in XX/XX/XXXX that my request to reevaluate the PMI was denied. I have continued to call and receive no information about why this is happening and only get transferred to the escrow department, which is never answered and messages never returned. I have followed all the guidelines provided by Huntington Bank, yet have not received communication from them for 21 months. They not only took my money and have not provided the service that I paid for, but they also increased my monthly payment with no notification or reasoning for the increase. It is to the point that I believe that they either no longer have an escrow department or that the department is either incompetent or fraudulent, both of which are terrifying by one of the biggest mortgage services in the country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
A lawsuit was filed and won with the XXXX XXXX schools for misconduct. My federal loans were approved for discharge with the XXXX XXXX XXXX and deleted however, Navient is providing me no opportunity for discharge with my XXXX  XXXX Private loans nor any information or help when I contact them via phone. My loans have doubled what they were because of high interest rates and I have been paying them monthly for years with no end in sight. They are rude on the phone when I ask for help and refuse to give me my available options for a school that is now closed. They continue to demand payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a home improvement loan with Well Fargo. I have bill pay set up through my personal bank, XXXX XXXX XXXX to issue a payment every XXXX week XXXX {$110.00} ( {$230.00} per month ) to Wells Fargo. My monthly payment due to Wells Fargo is {$230.00} per month. I received a call from Wells Fargo sometime in late XXXX and the representative stated I was past due. I was confused since I pay every XXXX weeks, so technically I should be ahead. The representative eluded to me that this started back in XXXX of 2023. She stated XXXX of my payments posted before the next billing cycle started so they applied it to principal reduction, which caused my XXXX payment to be short. I then was charged a late fee and each payment that was applied thereafter would have a late fee of {$40.00} taken out ( Paid first ) so this would cause my monthly payment to be shorted. As you could guess, this snowballed into me being shorted each month and paying Wells Fargo a $ XXXX late fee each month which has accumulated to over {$300.00} in fees. Keep in mind that I'm still paying every XXXX ( XXXX ) weeks. I asked WF to correct this payment allocation and refund my late fees and correct any negative credit reporting as of XXXX of 2023. They refused and stated they have the right to charge the fees and would not be correcting anything.

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 2024-06-04 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
TransUnion credit reporting company refused to remove. Accounts shown prevent lme from seek. credit. Due to these reports. Clients. Below don't b. these are payin clients to transunion to continue keeping reporting on my credit reporting my scores are horriblesl am being forced to make payments., that doesn't belong to these companies. due to me seeking HOUSING .HOMELESS Theses.companies I have profend that l don't owe any these companies, l refuse make payments on can not .Provide me any information XXXX. I have been constantly denied for credit. Due transunion credit Report SYSTEM companies.names. Showing Below XXXX XXXX auto, fingerhut fetti, fingerhut fresh start. Showing XXXX tthree time on my credit. XXXX. These companies also hired different collecting agencies. XXXX management., XXXX. Other companies requesting same amount money.purposely to affect my credit scores ratin scores due to the on going dispute tranunion that never favour Unverified. My scores low .Inquiries is high l can't recieved XXXX due to these inquiries also denied on XXXX. Due to these companies. ERRORS Names doesn't match shown on the account nor these companies can not provide me. Any History payments made on the accounts XXXX XXXX information came from off credit reports who known for placing fraud accounts on people records XXXX finger hut. Was reported fair reporting division XXXX had identical complaintsWhom sold the accounts XXXX manerment .Who can't provide records showing Blank forms. Which isn't showing payment history. accounts been I have attached records below police reports blank pages no records. Information thief alert fraud insurance

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood offers the option to purchase ETH. I purchased ETH XX/XX/XXXX and sent it to a provided address for trading. 

XX/XX/XXXX, Robinhood restricted my account. I called Robinhood support and answered their questions. They asked me questions about who I was sending it to, why, which is really up to me who to send it to and how I want to use whatever I've purchased. And asking me questions as if I've done something wrong, which I asked the Robinhood Support rep, " did I do something wrong ''. He said no. 

They then asked me for several documents. They asked for my bank statement, which I provided, drivers license, which I also provided. They also asked me for my bank statement from XXXX XXXX. I informed them that XXXX XXXX no longer exists because they were bought by XXXXXXXX XXXX This is actually public knowledge and can be looked up. But Robinhood asked for a letter. I went to the bank, and XXXX provided me the letter they sent to everyone previous XXXX XXXX customer that they were now taking over in 2021. I provided them the letter, they did not accept it because it was a picture of the letter and not a PDF. I scanned it and they said no, I've also uploaded it as a PDF.

Then Robinhood asked for my bank statement from XXXX. I explained again that XXXX is no longer, but XXXX gave me my last statement from them. Robinhood asked me for my recent bank statement again, which I had already provided. 

Now, in XXXX my account is still restricted and on the XXXX ( yesterday ) they are asking me for " a closure letter for the bank account ending in XXXX '' which was my XXXX account and another bank statement. I already sent them all of this. I called support and I have received rude representatives. 

They are not listening to me or accepting what XXXX has provided me. I asked for a manager to call me and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-06-04 00:00:00
Product: Credit reporting 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had deposited a check under my roommates name to my account in which I received from my roommate who had stayed at my place for a couple of days, and then the bank freezes my account until further notice. They said they want to verify the check first to see if its real and then make my account available to me. The check was verified, and the money was cleared to use as my balance. 

I, then regained access to my account and made couple of online purchases/transactions while thus proving that the amount on my balance was fully cleared for me to use. Now, they have reversed all transactions I made, including filing for dispute claims to one merchant. 

When I called the bank up again demanding for answers for all this nonsense, and now they want to verify that my roommate had given me this check to go deposit. So, I gave them his number so they can call to verify all of this, but now they are saying that they can not find the phone number in their system. 

The bank is clearly withholding my money unlawfully and making me go on a wild goose chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
This Started in late XXXX. My wife XXXX XXXX was having money wired from her country with the help of her family to her bank account here in XXXX Kentucky to buy a new house. Everything was going well then the agent that was handling the money transfer 's recommended to my wife that she find another bank account to wire the last XXXX to because of the high bank fees. 

My bank. ( Chase bank happened to have lower bank fees. And I agreed to allow my wife to transfer money to the little used bank account I had at the time. The money started coming in increments and everything seemed to be going as planned Then around XX/XX/XXXX. I noticed from my Chase app that all of the money was seemingly in my account. Then on XX/XX/XXXX I tried to g and withdraw the money but the bank told me that they had a hold on the money that the money never posted to my account. And that they locked the account two days ago. 

I immediately called the fraud department at Chase bank and that was when I learned that someone had tried depositing the money to my account from eight different locations from XXXX XXXX XXXXXXXX and my bank said that they could not verify the source of these checks.. The next few days with the information on the check images provided by my bank and tried to verify the source of the checks myself with the cooperation with the chase fraud department but despite all of this we only managed to verify two of the eight checks.

This lead to me losing my checking account with Chase bank. I also filed a complaint with the Federal Trade Commission on XXXX XXXX but we haven't heard if they made any progress on our case or not. So right now everything is in Limbo and I am unable to open another account with chase. 

EVIDENCE IS AVAILABLE UPON REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
{$8000.00} is due to me based on the Fair Credit Reporting Act 15 USC Subsection 1681. Statutory damages, Civil Liability and Willful Non-Compliance. I want my money in XXXX  days or I am filing a small claims in court.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
{$8000.00} is due to me based on the Fair Credit Reporting Act 15 USC Subsection 1681. Statutory damages, Civil Liability and Willful Non-Compliance. I want my money in XXXX  days or I am filing a small claims in court.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I modified my mortgage through my bankruptcy, which began in XXXX and was complete XX/XX/XXXX. My husband was part of the modification, but he wasnt on the original mortgage- I am the primary mortgage manager and hes the second party. Im not sure of the actual naming convention. XXXX is reporting the mortgage twice on my credit report and only once on his credit report my credit report shows my primary mortgage and then it shows the mortgage duplicated showing him as a signer and me as the primary mortgage resulting in my real estate debt totaling XXXX when its XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
RoundPoint Mortgage bought our mortgages. They keep calling me and asking me to submit our condo insurance. Initially they sent a broken link. I call them back, they send me to a different website. This one says " Thank you for visiting IHaveInsurance.com, unfortunately we can not process your information at this time. 
This site has moved. Please submit your insurance information to https : XXXX please note that you may need to copy and paste the website information into your browser. '' I submit again. They call and say they still don't have my insurance. 

I have no way to send them the insurance directly. They say they use a third party website, but it seems very shady and they tell me if I don't get them the insurance, they will purchase insurance for me. I have called multiple times and each time they tell me it is handled and they have it on record ... and then sometime later, another representative calls me to tell me they don't have it and if I don't get it to them, they'll force me to buy their insurance. 

It feels like a shakedown and a scam. I emailed their president about it and a representative called me back to tell me my insurance is on file a few months ago. This morning I received the XXXX call about not having my insurance. I'm turning to you for help since I am not convinced RoundPoint is legitimate and I had XXXX say in using them since they bought my mortgages. Would love to be sold to another company with legitimate secure websites.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with non-monetary relief