vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: DE

Complaint narrative:
I reached out to my mortgage holder to request them to look at my file for PMI removal. They sent back a letter providing the steps to pursue removing PMI and the 5 conditions that must be met to have the PMI removed. Prior to beginning the process the only items that were not met was I had to send a check in for {$350.00} to order the appraisal and the LTV of the property had to come back 80 % or less. Well I mailed in the check they cashed and the house came back at 71 % LTV per the appraisal. The mortgage company then denied me PMI removal and said that the LTV had to be at 70 %. I then proceeded to call in for an explanation and after an escalation to a supervisor, no one could explain why I had been declined other than their denial letter stated the LTV needed to be at 70 % and the department that declined only knew the criteria ( some back office that couldn't be reached by phone ).

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 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I have no knowledge of this debt. Please provide physical proof, original contract with my signature on, any and all cancel checks, I'm requesting for a debt validation of this debt or delete the negative report off my 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 2019-02-12 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: MD

Complaint narrative:
XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.

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 2019-02-12 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: MD

Complaint narrative:
XXXX XXXX {$1500.00} XXXX XXXX {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.

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 2019-02-12 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 — Was not notified of investigation status or results
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Fraudulent practice without validation by Montery Financial Services LLC hereafter referred as MF. 

I spoke to a rep at MF 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail. 

Regardless, I called MF and spoke to them about the issue. The issue here is that MF decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX  in 2017, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members. 

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in 2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership. 

I explained this to MF rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying MF is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy. 

Till date, MF has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by Montery Financial to place a debt collection on our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2018, I contacted Citibank NA regarding a fraudulent inquiry made on my credit report for a Sears Mastercard. I spoke with the Fraud Dept, first I was informed they had no record of my social security number on file. I was asked to forward a copy of my credit report which showed the inquiry in question. I followed-up with a letter and again was asked to complete a form with my personal information because they were unable to locate my information. After returning this document, I received a letter the inquiry would be removed from my credit report within thirty ( 30 ) days. 

After reviewing my credit report and noticing the inquiry was not removed, I immediately contacted this company again. I spoke with numerous representatives because again they were unable to locate an inquiry with my personal information provided. I finally was forwarded to a representative who allegedly was able to locate my information. I was told, he spoke with his supervisor and another request was forwarded to XXXX  to have this inquiry removed. I followed-up with a letter regarding this conversation. I received the same letter stating the inquiry would be removed ... with a different date. 

As of this complaint, I have received five ( 5 ) letters from this company stating the inquiry would be removed. And this inquiry remains on my credit report. I have documented all communication with this company as well as maintained copies of all correspondences to resolve this 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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit. In The Early 2000, I Was A Customer For Over 5 years. I Had An Health Issue With XXXX In My XXXX. I Had Sit For Over A Month Without Being Able To Walk. I Got Behind One Month. I Tried To Settle My Bill Which WAS {$500.00}. The Salesmen Gave Me Extra Charges & Two Extra Months Worth Of Bills That Werent True. My XXXX XXXX XXXX   Bill Came About To Be {$1800.00}. This Amount Is Not Correct! I Tried Negotiating And Was Refused! 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
-XX/XX/2019 : I refinanced my mortgage from Flagstar Bank to XXXX  XXXX   XXXX XXXX  ( XXXX ) on XX/XX/2019. Upon refinancing, I calculated the totals funds owed ( overages ) from Flagstar Bank as {$5700.00} remaining escrow balance and final XX/XX/2019 mortgage payment.

- XX/XX/2019 : Mortgage balance paid and transferred from Flagstar to XXXX  XXXX.

- XX/XX/2019 : Email below was sent to the escrow/property tax department at Flagstar Bank, with a fair 30-day notice to refund all overages as required by law : - Subject : " Please refund mortgage payoff overages no later than XX/XX/19 '' From : [ my email address ] XXXX   XX/XX/2019 XXXX XXXX To : property.tax.requests@flagstar.com <property.tax.requests@flagstar.com> " Dear Flagstar Bank, In reference to my previous Flagstar mortgage loan number XXXX, that was paid off due to refinancing from XXXX XXXX XXXX onXX/XX/19 , I show the following amounts outstanding : Tax escrow balance : {$1200.00} ( as of XX/XX/19 statement ) Principal balance after payoff : {$2400.00} ( Difference of {$280000.00} payoff amount minus {$270000.00} outstanding principal as of XX/XX/19 ) Final mortgage payment of {$2100.00} ( paid XX/XX/19 ) TOTAL AMOUNT DUE : {$5700.00} Please refund these amounts no later than 30 days after payoff ( XX/XX/19 ), as required by law.

Sincerely, [ My name/my address ] '' - XX/XX/2019 : Received and deposited a check from Flagstar Bank for payment of escrow overage mailed from Flagstar Bank for {$3300.00} ( check was dated XX/XX/2019 ). Remaining balance owed at this time : {$2400.00}.

- XX/XX/2019 : 30-day deadline to return all funds owed/overages as required by law. No response from Flagstar since email notice above on XX/XX/2019. No additional funds received in mail ( balance owed : {$2400.00} ). Called customer service number at Flagstar Bank only to be put on infinite hold. Customer service chat tool disabled on website.

- If owed this much on a bank loan or mortgage website, wouldn't I be expected to pay late fees/penalties? Interesting.

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 2019-02-12 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: CA

Complaint narrative:
Hello, I filed a complaint here with the FTC/CFPB for XXXX   XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX  my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not. 

I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX   XXXX/XXXX  XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX. 
THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX. 

My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in. 
How can they keep doing this? Selling my information/debt that is not mine? 

I have the credit reports to prove it and show matching amounts. 

Thank You XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
XXXX XXXX claims that I overdrew a savings account and have reported it to the credit bureaus as of XX/XX/2019. I did have an account but did not overdraw it and the account was closed more than 7 years ago. I have disputed it but they will not remove as they say that it is correct. I believe that it should be removed because of the time frame when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: IL

Complaint narrative:
On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: IL

Complaint narrative:
On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NC

Complaint narrative:
On XX/XX/2018 I paid the balance in full of {$66.00}. They also mentioned they would remove this debt from my XXXX XXXX credit report within 30-45 days. This never happened, and I have just noticed that one year later it is still on my credit report report reporting as an unpaid collection. Please, remove this debt immediately off of my credit report since this is what they promised me. I spoke with XXXX XXXX at XXXX on XX/XX/2018.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: AK

Complaint narrative:
I have been making attempts to pay off in full a reverse mortgage loan since last fall. After multiple attempts the collection agency continues to not communicate and tell me how much the final payoff amount is and where & how to send it in. Please see attached document with detailed information and chronology of my attempts to communicate with Reverse Mortgage Funding, LLC.

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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX I was terminated from my employer XXXX. The very next day I called my mortgage company PNC Mortgage to apply for Hardship Assistance and spoke with someone in the Loss Mitigation Dept. The HA paperwork was sent out to me and I completed it EXACTLY as instructed and after a few weeks, was told that I had been approved for a forbearance via mail. I was given a five month period to pay $ XXXX/month based on unemployment benefits and my previous income with my last month being XX/XX/XXXX. I remitted my XXXX payment only to have it returned in the form of a check in the amount of {$25.00} which included the previous months. I was told by a customer service rep that I am in arrearages of {$1900.00} + inspection fees of {$5.00}. The inspection is an unknown person surveilling my home to confirm residency. I have received numerous calls and letters teetering on harassment and the month of XXXX isn't even over yet! PNC backpeddles on their policies and they would not let me a establish a reasonable payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have made several attempts to verify and validate the debt and it was unsuccessful. The information is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws as its adversely affecting my credit and score and my opportunity to be approved for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I took over a car lease from Ally Financial and made all regular payments to the end. 
On XX/XX/15 I called to extend the lease for one month & got confirmation no. XXXX. 

I received the lease extension agreement dated XX/XX/2015 which I signed and sent back with a check # XXXX. So I returned the car on time with in the allowed millage. 
After receiving a bill for extra $ 1300plus I called Ally and was told that they did not receive my check and that they did not extend the lease because of that. But I was told to send in a replacement check which I did check # XXXX for {$460.00} and then they would clear things up to XXXX balance. 
They cashed my check but, never credited the account. Since then I have proved my case to three different agents/managers with copies of all document and each one accepted the facts and promised to fix it and notting ever happened. 
This had been on credit for all this time I have disputed it however it's still on my record. 
This is not fair business practice and I'm sure against the law.

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 2019-02-12 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: GA

Complaint narrative:
I have made several attempts to verify and validate the debt and it was unsuccessful. The information is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws as its adversely affecting my credit and score and my opportunity to be approved for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
AMCOL system Acc # XXXX Amount {$480.00} It shows delinquent It should be paid by my health insurance Company stop billing me and report the account to the credit agincy Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America business credit card that me and my business partner open, after a year i sold my part of 50 % of my business to him by notary to take care of that credit card payment, he is no were to be found and now bank of america withdraw XXXX $ on the XX/XX/19 from my checking account and paid the credit card account with out my permission.

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