vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about XXXX years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only XXXX years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I took a 90/10 loan with XXXX XXXX XXXX   ( XXXX  ) on a {$48000.00} purchase where I paid {$48000.00} as 10 % down payment with a principal loan of {$430000.00}.

XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) loan was current. ( Exhibits 1 and 2 ).

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 3 and Exhibit 4 ) XX/XX/XXXX I also paid XXXX the {$48000.00} against the principal that was required to eliminate PMI. ( Exhibit 3 ) XX/XX/XXXX XXXX   charges {$86.00} for PMI. ( Exhibit 5 ) XX/XX/XXXX I asked that PMI be removed from my account.

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 5 ) XX/XX/XXXX XXXX  sent me a delinquency notice for the XX/XX/XXXX payment. ( Exhibit 6 ) XX/XX/XXXX XXXX   sent a statement showing I owe {$6600.00} on XX/XX/XXXX ( and that my XX/XX/XXXX payment is past due ). ( Exhibit 5 ) XX/XX/XXXX I was again inappropriately charged PMI ( Exhibit 13 ) I have made many contacts with XXXX   attempting to address this issue directly with XXXX. ( Exhibits 7, 8, 9, 10, 11, 12 ). I have more similar messages back and forth with XXXX that simply do not address this issue.

Please help. I am asking that : 1. my account correctly reflect that I made my XX/XX/XXXX and XX/XX/XXXX payments timely ; 2. my account correctly reflect that on XX/XX/XXXX I paid an additional {$48000.00} against principal ; and 3. PMI should no longer be charged and all PMI charges after XX/XX/XXXX should be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018, I applied fir a Capital One credit card and was approved for a Card with a {$300.00} credit limit. The Capital One employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... Capital One summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with Capital One but they keep telling to Dispute it with the XXXX, so I did it. I summited a Dispute with XXXX them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of 42 years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.

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 2018-12-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
i am XXXX years old. i started using credit at 22 when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX  years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a card with American Express. Because I have had cards with them before. However when I applied for a card today XX/XX/2018 with American Express that had NO annual fee, they Declined me. So I applied right after and I got APPROVED for an American Express Card with an  annual fee of {$550.00}. And when I tried again even after I got approved, to apply for a different card with NO annual fee, they declined me. The point I am trying to make here is that American Express is only approving me for cards with {$550.00} annual fees so they can gouge me. That is completely unfair to consumers like me. I don't mind the card with the annual fee & I plan to keep it open. American Express ran my same credit for 3 different cards : The American Express Cash Magnet card w/NO annual fee. The American Express Blue Cash w/NO annual fee, And the American Express Platinum w/ {$550.00} annual fee. And they only APPROVED me for the card with the annual fee of {$550.00} which is American Express 's best card. This does not make any sense. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I applied fir a XXXX XXXX credit card and was approved for a Card with a {$300.00} credit limit. The XXXX XXXX employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... XXXX XXXX summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with XXXX XXXX but they keep telling to Dispute it with the TransUnion, so I did it. I summited a Dispute with TransUnion them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.

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 2018-12-15 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, CPS pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX   and CPS but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I paid my bill in full and tried to use my card and it was declined. I called city card they stated my account was locked had me verify information and unlocked it. XX/XX/XXXX i attempted to use my card again and it was locked i called city back and was transferred to the fraud XXXX XXXX dept. .. after hours on the phone they will not unlock my account. I have begged and pleaded with them. It is XXXX time and im trying to use my card to shop for my children. They refuse to give me any information as to why my account was locked. And the are sending me a letter in the mail that takes 10 business days. I have never been treated this badly by a company in my entire life

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 2018-12-15 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: DLC, LLC
State: NV

Complaint narrative:
In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XXXX, I was told I had available credit on my account without having to take out and additional loan. DLC called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed DLC marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed DLC of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let DLC know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
First paperwork i did was 33 pages i filled out that XXXX XXXX sent me do and copied digitally to my email at library, XXXX printed them and sent them to Wells Fargo. 

Later on i went to XXXX XXXXk and hot current statement which was 8 pages sent to them. 
I sent copy of my income tax, I sent them the social security award letter {$1500.00} which is my only income. 
I sent copies of electric bill and my medicine etc. 
I would have been in a better situation if they had let me start paying something, My amount owed just grew and grew. 
Back in XX/XX/2017 they would not let me unless i paid them all owed. My only money i got every month was social security which does not leave money for mortgage payments, That is not there fault but if they lowered my payment to {$900.00} a month i would have paid them every month. I still want to pay them but i can not back pay. I could start paying them {$800.00} every month now and try to send more if i can spare. 
Thanks for your time. I have sent messages for a while on their site to let me start paying but no response, if i get moved out on street XX/XX/17 XXXX i don't what to do!

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 2018-12-15 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: UT

Complaint narrative:
Entered into income-based Repayment plan InXX/XX/2011. I was working for XXXX XXXX XXXX so the employer was proper. Last year Navient realized that since I was in the public service loan forgiveness program my loans should be switched to XXXX. My loans were switched. I am not getting credit for any of my payments To Navient. They can not explain to me why. I have submitted requests for review on four separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
Company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX Current LTV : 77.9 %. 

Payment History : Current and have never missed a payment from inception. 

PMI still on loan. 

Mortgage Company has refused to comply with automatic termination of PMI on loan. Several reminders -email and phone calls - have been made by homeowner to the mortgage company but they have declined the termination in line with Federal HPA regulation on automatic termination of PMI.

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 2018-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have tried to get Santander to verify this dept several times and I get no response. This dept is a vehicle that my deceased brother that worked at the car dealership signed my signature and my girlfriend at the time signature. Me nor my ex signed for this loan. This is badly hurting my credit as I am trying to get things in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I received an alert from XXXX XXXX onXXXX-18 stating my score dropped 24 points due to one of my college loans from Navient. On XXXX, it showed a balance of $ 15,000+ but on XX/XX/XXXX, it showed a balance of more than {$17000.00}. I contact Navient by phone and the rep refused to talk to me and told me that XXXX XXXX reports are not accurate. I was told she could not talk to me about my account and that it was my responsibility to contact XXXX  the reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX  XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XX/XX/XXXX, I was told I had available credit on my account without having to take out and additional loan. XXXX called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed XXXX marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed XXXX of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let XXXX  know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XX/XX/XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.

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 2018-12-15 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:
On XX/XX/2018, XXXX pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2018-12-15 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2018, Exeter Fin. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX  and Exeter Fin. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was told that I was getting a {$10000.00} credit for closing from my realtor and the mortgage bank- us bank would not allow it. I only ended up getting a credit of {$9900.00} and I am out {$590.00} that the seller and I agreed upon. I think this entire deal was not communicated well and was very confusing. Us bank did not communicate any issues until I confronted them when my realtor called 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 monetary relief