vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to XXXX, XXXX, and Experian to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.

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 2018-04-19 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: MI

Complaint narrative:
JCPenney 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 2018-04-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
some of these purchases were made by an XXXX  spouse, i was in a XXXX XXXX relationship and now chase credit services is on my credit report and i want it off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MI

Complaint narrative:
XXXX 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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
Back in XX/XX/2017, I was in talks with LoanDepot for a refinance option that I ultimately decided to not go with. As part of that refinance negotiations, I got the attached appraisal report done by XXXX XXXX XXXX via LoanDepot. I am not disputing the amount on the appraisal report but there are mistakes on the report that the appraiser should correct and provide a corrected report. The most prominent mistake says that my home has a partial basement even though it is clear from both the photographs and the County Auditor 's website that my basement is a full basement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the report fails to acknowledge the fact that my house does have the following appliances : dishwasher, disposal, microwave and washer/dryer. The pictures in the appraisal report show that I have those appliances. I raised this issue with LoanDepot earlier as well but they didn't take any action. I request LoanDepot to ask the appraiser to provide a correct report as I paid for the report. I tried contacting the appraiser directly but they asked me to go through LoanDepot as they are the customer for the appraiser and not me. Please resolve this ASAP as I need the appraisal report for other purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i was notified that XXXX made an inquiry into my credit report. 

the credit report proves that XXXX made the inquiry and thereby obtained personal private confidential information. 

i never requested an inquiry from XXXX there is no reason for XXXX to make an inquiry. 

all of my debts were discharged in a XX/XX/2014 bankruptcy. since then i have NOT applied for credit or made any other request of XXXX therefore XXXX has obtained personal private confidential information illegally.

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 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
The CFPB closed out complaint ID XXXX. We want to know where Nationstar Mortgage got the unendorsed copy of the note that XXXX XXXX XXXX a/k/a Mr. Cooper uploaded to the CFPB web site in regards to the complaint number stated above. Nationstar apparently has an unendorsed copy of the note, as well as a fraudulently endorsed copy of the note. So, how does XXXX XXXX XXXX have both? This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IA

Complaint narrative:
XXXX XXXX, XXXX has illegally restricted me from using their services. They say first my account triggered an alert, stating Ive supposedly violated their terms of service, but can not seem to prove it to me, stating for security purposes, they cant tell me. Now they say theyre using the regulations against me. They say basically they can do whatever they want, and corporate refuses to contact me back. Ive tried contacting their corporate office, but no avail. They absolutely refuse to contact me back. I would love a call from corporate to explain how they get to make their decisions, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my experian and XXXX reports

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 2018-04-19 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: TX

Complaint narrative:
On or about XX/XX/2018 a dispute was entered to Trans Union credit bureau concerning 2 state tax liens showing on my credit report. 

Under the provisions of their National Consumer Assistance Plan the to tax liens listed below do not show the name, address, and at least the SSN or DOB of the consumer.

Additionally, the National Consumer Assistance Plan mandates removal if the CRA has failed to verify the public record posting within the last 90 days. 

1st : Trans union failed to verify the public record posting within the past 90 days of dispute.

2nd : Posted item does not show correct address or full SSN or date of birth.

3rd : I have not or ever lived at XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX As of this date Trans Union only re verified incorrect information

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 2018-04-19 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: CT

Complaint narrative:
I am enrolled in an income driven repayment plan with Navient, which requires a yearly verification of income. Every year I timely file my paper work, yet Navient systematically ignores the receipt of the documents allowing the deadline to lapse which results in a capitalization of the interest. After the first occurrence of this in XX/XX/XXXXI would make repeated calls to the Navient after sending my proof of income to ensure that this would not occur. In general it would require 3 to 4 calls insisting that the paper work had been sent in a timely fashion and demanding that the acknowledge receipt of the documents and officially update their records to indicate that they had received it. This was an incredibly frustrating process and it was clear by their actions that Navient have been acting in a bad faith. It was not a one time occurrence, I faced this same scenario every year when attempting to renew my income driven repayment plan. Although this was a nightmare to deal with I thought my persistence had prevented any further unwarranted and erroneous capitalization of interest. However, due to my mistake I did not regularly check on my loan balances and aside from my yearly fight to remain in the income driven repayment plan I did not pay close attention. Recently I checked my loan balance and noticed it was much higher than I recalled and was able to determine they had capitalized interest in XX/XX/XXXX. I know that I had timely filed my paper work as I do every year. I think it is telling that my final payment of the prior year was processed, interest was capitalized and days later my payment was adjusted for my new income. Despite my timely filing of the paperwork Navient allowed the time period to elapse solely so they could capitalize the interest and processed the paper work for the recalculation days later. In my opinion this is an example of the systemic fraud undertaken by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Attached you will find pdf copies of 3 loan disclosures : 1. Issued on XX/XX/XXXX ( Loan Estimate Redisclosure Package ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $ XXXX/Month and Estimated total Monthly Payment as XXXX 2. The next disclosure I got was on XX/XX/XXXX ( Initial Closing Disclosure ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $  XXXX/Month and Estimated total Monthly Payment as XXXX Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any other update on my loan estimates My closing was on XX/XX/XXXX and I was being told 6 days before the closing that my mortgage payment has increased by XXXX $ /month I escalated the issue to the loan officer and they informed me that it was a mistake on their part. I lodged a formal complaint about why I am informed of this change 6 days before the closing date and this feels like a being held hostage and leaving me no option but to comply and pay this extra amount for the next 7 years. Over a period of 7 years, this is an extra {$7000.00} that I am being penalized for 3. 

I lodged a formal complaint and then 3. On XX/XX/XXXX I received another disclosure which made the mortgage insurance again XXXX. I assumed that they have corrected the issue and so I went for the closure At the title company, there was no representative from the bank and the title company documents showed the mortgage insurance back to XXXX/month. At that time the only option I had was to either not sign the documents and lose the house ( at this time I had already given notice to my apartment company that I would be vacating my apartment by XX/XX/XXXX, so not getting the house would have put me on the streets ) All of this experience left a really bad experience about Suntrust in particular and banking in general. As per the fair lending act, the lender should disclose all payments correctly and not throw any surprises at the 11th hour. On top of that when they admitted a mistake they tried to hide it by sending me a 3rd disclosure informing everything has been corrected. Now someone can say XXXX $ is only 2.67 % of the monthly payment and I can always pay another 10 % in principal and stop the mortgage payment. To that I would like to counter where do we draw the line and stick to the principles of it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 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: SC

Complaint narrative:
I have tried on several occassions to resolve the removal of account of my report, they keep saying they investigate but never provide any details as to whom and what was provided to them showing it belongs to me, in which this account does not belong to me and should not report as collections. 
1. XXXX XXXX XXXX {$6000.00} is a debt showing from XXXX which is not listed on any of my CBR reports. This account does not belong to me, I called XXXX XXXX and disputed this acct and advise never had a car for this company they refer to XXXX XXXX whom claims this has been closed and statue of limitations has run out since from 2012, this account needs to be removed off my CBR, When I called XXXX which is part of XXXX XXXX they have no record. So not sure where they are getting the information this is mine, I have requested a numerous times proof of debt, proof of possession, signature card, this account has been open via fraud by the car company XXXX XXXX XXXX XXXX and I never took possession of the car that they are stating belongs 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 2018-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
Our mortgage is included in Bankruptcy and payments are being made through bankruptcy filings.

A large tree fell on garage causing damage. Homeowners insurance issued a check for repair in amount of {$8400.00}. This check was written out to homeowner, homeowners girlfriend ( insurance in girlfriend and the homeowners names ) and mortgage servicing company ( Fay Servicing LLC ).

Mortgage servicing company states to endorse check from insurance company and send to mortgage servicing 's Loss Drafts Department.

We were assigned an Account Manager who sent out a packet of forms to be filled out and returned and requests for o the her paperwork. All items to be received by Loss Drafts Department prior to issuance of partial release of funds for repair.

Two Account Managers later, multiple requests for duplicate paperwork and endless unreturned emails to Account Manager, we still have not received any of repair funds so garage repair has not been STARTED.

The damaged occurred on XX/XX/XXXX Its now XX/XX/XXXX. This mortgage servicing company has multiple complaints from other customers pointing to issues with getting funds from them for repairs.

They are holding the money hostage from MY insurance company for repairs on MY property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MI

Complaint narrative:
XXXX XXXX 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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Mortgage / PNC Bank keeps on delaying the process to remove my PMI. According to my mortgage agreement, the PMI on my mortgage should be removed when the LTV ratio is 80-20 and I meet certain other requirements like regular payments etc. I meet all the requirements and have made the required payments on XX/XX/XXXX as reflected in the attached statement. Furthermore, since my mortgage agreement says that the lender may require an appraisal before removing PMI to ensure that the property value hasn't gone down, I asked PNC to clarify if they need an appraisal and if yes then please go ahead with the appraisal.

Now this is where they stated with the delaying tactics. First, they misapplied my payment made on XX/XX/XXXX and put it in some " Other '' category when it should go towards reduction of my principal.

Next, despite my repeated communications to tell them to use the corrected payment information before sending me an answer on the appraisal, they took good 2 weeks and sent me the information with misapplied payment. Note that they did this despite telling me they will start the process to remove the PMI with the correct payment information as shown in the attached email communication. Their letter that I received said that I haven't reached the 80-20 LTV ratio even though I clearly have.

Next, they made me wait before I could send in a new request to remove the PMI while they corrected the misapplied payment. I complied and sent them a new request again onXX/XX/XXXX. They said I will shortly receive the letter with the appraisal order form but I still haven't received anything. It's been about a month since I made the payment that took my LTV below 80 percent and still they haven't provided me a simple Appraisal Order form. They refuse to allow me to get another appraisal myself from a certified appraiser or to directly contact the appraiser that they themselves recommend. All this while I am suppose to keep on paying the PMI. Just providing the customer with an appraisal order form should not take more than a month in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Wednesday, XX/XX/XXXX, I applied for a loan to buy out the lease for my XX/XX/XXXX XXXX XXXX in a Fifth Third Branch on XXXX XXXX XXXX, XXXX, OH XXXX. The name of the banker was XXXX XXXX ( XXXX ). I brought in all of the paperwork from the original signing of the lease agreement ( which he made copies of ), and told him that I wanted to apply for a loan to purchase the car when the lease expired. 

I was very clear that I was in a lease, and the paperwork I brought in that I gave to XXXX XXXX specifically indicated a retail lease order. There was absolutely no confusion that I wanted to buy the car upon the expiration of the lease. My wife was also present during the meeting and can verify this information. 

In order to process the loan, XXXX asked me to complete a loan application along with a credit check. I was then told that underwriting would ask me for certain documents before I would be approved. XXXX sent an email that said I needed to provide a " bill of sale '' for the loan to be approved. When I called XXXX to request that information, they said that document couldn't be provided, but they would send documents to Fifth Third to process the lease buyout. 

On XX/XX/XXXX, I then went into a Fifth Third branch at XXXX XXXX XXXX, and spoke with the manager onsite for the fax number so that those documents could be sent. She then called underwriting, at which time she was told that Fifth Third does not sell loans for car leases. I called Fifth Third 's customer support number and talked with two additional individuals who all told me that they didn't sell lease buyouts. 

I submitted a credit application having been told that I was applying for a lease buy-out. This information I was told was false.

Company response to consumer: Closed with non-monetary relief