vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I opened an account with Citibank in XXXX. In XX/XX/XXXX they advised they would no longer be sending statements. They would communicate by email. My first problem is that they have never communicated since. It is almost 12 months and not a single statement or communication. No more emails and nothing in the trash either. My second and more concerning issue is that I can not access my account in any way and the company refuses any telephone or written support. I mislaid my ATM card. Because of this I am unable to even talk to their customer service people. I had an old dormant access card and was able to use this to get through the automated system and at least talk to them - but was told without my ATM card ( 1 ) they would not help ; ( b ) I can not apply for another card ; ( c ) they would NOT help me get access, and ( d ) without it the funds will NEVER EVER be released. If I don't find the card, the bank will keep my funds forever. Really? Are American banks so dishonest - lose a card and lose your funds??? There is no email facility at my bank. I can not log online as I do not have said ATM card. I have now faxed a letter to them twice ( a month ago in XXXX ) - and still no answer. I need help to get this bank to actually *communicate*. As it stands they have refused any help verbally and have said that they will not help in future either. I am also concerned as the account may become dormant. 
This bank is intransigent, difficult, obstructive and has indicated they have no intention of helping.

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 2019-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
every year, i call and get the ecrow analysis revised because of errors such as added default reserve to escrow etc. I am monitoring, tracking and reporting since 2014. 
since last year PENNYMAC LOAN SERVICES, LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES, LLC do not send hard copy of escrow analysis even after i repeatedly requested this year. 
3. i have to find errors and request every year to revise the escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: OH

Complaint narrative:
years ago i took out a va loan with XXXX XXXX. and they never closed it out. it has been killing my credit for years. i know it is on experian but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance

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 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I can not count the number of times now that I have been lied to by various agents on the phone nor does ANYONE at the company seem to be able to follow simple instructions. 

All past issues withheld, on XX/XX/XXXX, SLS received the completed, updated BPO ( it  showing online in my account documents under " loan and tax documents '' ). This BPO ( that was requested by SLS ) shows that my home value exceeds threshold for PMI removal. Despite ALREADY signing documents for PMI, I called in early XXXX to confirm the PMI would be removed. The agent stated yes, it would be removed. 

I called back a few days later to confirm, another agent stated she didn't see the request for PMI and the system to request PMI was down, but she would email her manager to make sure it was taken off. She stated to call back in a few days to confirm. 

I called back on XX/XX/XXXX to confirm the previous agents actions. She informed me that she didn't see any requests to have the PMI removed, but that she sees the documents, and my account would have the PMI removed. She too suggested calling back to confirm. 

On XX/XX/XXXX, I spoke with an agent who stated she sees the request, but they are needing us to fill out a form to request a BPO! This document was sent in to SLS in XXXX. The BPO was given to SLS on XX/XX/XXXX. She then proceeded to tell me the value is still at 85 %. 

How is it possible for NO ONE to see the other agents actions? 

I have attached to this complaint the BPO. It shows the home value at {$240000.00}. 80 % of that value is {$190000.00}. 

As of the time of this complaint my current mortgage balance is {$180000.00}. This is well below the threshold for PMI removal.

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 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a car loan with Santander Consumer USA. I bought a 2017 XXXX XXXX XXXX from XXXX XXXX, XXXX, FL on XX/XX/2017. My payments are XXXX a month and in the 20 months I have been paying on my XXXX dollar loan I am down to XXXX dollars. I normally have around XXXX a month go to my principal. I always pay my loan early so I'm not late and not penalized. I made my XXXX payment which was due on XX/XX/XXXX on XX/XX/XXXX, my XXXX payment was paid on XX/XX/XXXX. Now it wasn't due until XX/XX/XXXX. I got my XXXX bill and I noticed that instead of XXXX going on my principal, only XXXX did and XXXX went to interest! I always pay my payment early so I could not understand why this happened. When I called Santander, I was told that because there was more than 30 days between my payments i was charged interest daily! So I was penalized with extra interest that i can't understand why. There are on average, 30 days in a month. Why have monthly payments if you are charged daily? I don't understand this. If anything I should save on interest for paying it early. So I asked for a payoff balance and it is more than i owe! How is that? My payoff balance is XXXX. I asked to speak to a supervisor and I was on hold forever and then the line was disconnected. This is unfair business practice. There are numerous complaints against this company and I just want what is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
I am getting phone calls during my work hours to my work from this company ERC. I would be glad to return their phone call if they call my cell phone and leave a voicemail. I dont know how they found my place of employment as I never gave them this contact information of authorization to call me there. They keep calling me to my place of employment and I totally disallow this. They provided a reference # XXXX. The contact number they provided is XXXX and company is ERC. It looks like their website is www.ercbpo.com and guy that called me is XXXX ( did not leave last name ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX has an account open under my name and social, that i never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was closed due to suspected fraud. I told them i had nothing to do with it that someone must have stolen my bank information. They refused to believe it and after paying {$290.00} to get my account balanced and in good standing, they are still reporting that the account is unpaid and delinquent. I have the receipt that i did in fact pay the {$290.00} on XX/XX/2016 at XXXX XXXX  est.

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 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
For the past weeks, I have been receiving telephone calls from Navient representatives. I have asked not to be recorded. Navient representatives continue attempts to record me without my permission to do so. Each time I receive a telephone call, Navient representatives ignores my request of not wanting to be recorded. For example, Navient representative telephoned me again this morning ( XX/XX/2019 ) at approximately XXXX XXXX, Eastern Standard Time stating that it is their standard policy to record their telephones. I have asked Navient representatives to contact me only in writing. I ask that Navient representatives to stop calling me. I am being harassed and will not permit it to continue, I will take legal action. I have already responded to their correspondences and made loan payments as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
Since, 2016 the company i originally purchased vehicle from eastern XXXX XXXX here in XXXX, N.C have harassed myself on property, mechanics stalking myself from work to home on multiple occasion when i had the vehicle for 16 Months. The vehicle kept cutting off on the XXXX of each month i had the vehicle. the vehicle was on a 30 day warranty so i notified the mechanic that their was a problem with the XXXX XXXX v-8, and he replied to take the vehicle over to XXXX XXXX XXXX, so they can work on the vehicle. after 7-10 days of persistent runaround ; the warranty expired. 
so, i filed a complaint with the national transportation safety dept about this problem. 
then was told too get an assessment on vehicle. mechanic told myself it was the battery!! 
i replace the battery 3x times, it was not the problem. then the airbag light came on then went off. the vehicle was taken to XXXX XXXX XXXX here in XXXX, n.c. ; the mechanics their did a diagnostics test and blew the panel fuse box with grey and white smoke fuming from vehicle. i was told then the vehicle was a lemon as is. i also reported this to national highway transportation safety dept, and thats when they expanded the recall on takata airbags in vehicles previously missed by auto companies nation wide!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has an account open under my name and social, that i never requested.

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 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has an account open under my name and social, that i never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX has an account open under my name and social, that i never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I needed to pull money out of my home to purchase a piece of commercial property. I was shopping around for the best deal I could find. Quicken Loans had financed our home and I called to inquire about refinancing it. 

I have a lot of experience applying for credit and have found it customary to confirm date of birth and social to discuss options. NEVER has this meant WITHOUT THE EXPLICITE REQUEST FROM THE FINANCIER, AND PERMISSION GRANTED FROM THE CONSUMER to do a hard credit pull inquiry. I was NOT locking in a loan but requesting some information about what is possible. It is quite common to do a soft credit pull to get an idea of what is available and then once you decide to go forward for the lender to do a hard inquiry. 

However, that is not what happened here. Without permission or asking, Quicken loans upon what I thought was verifying my identity did a hard credit inquiry to my account. 

I believe they do this to 'lock ' you in and make you feel like you can not shop around. I needed to shop around because their offer was horrible so I escalated the call to a supervisor XXXX XXXX XXXX.XXXX.XXXX. He listened to my recorded call and agreed they could have asked for permission but said my confirmation of DOB and social gave them the right to. I DO NOT AGREE nor has any other lender since I have spoken to. Nor will any consumer think this is right as it is commonplace when discussing your financial account to request this information. This is an aggressive tactic on the part of Quicken Loans to move you through their 'engineered to amaze ' sales process and to subconsciously make a consumer feel he or she can not shop around because their credit was just affected. This is totally unacceptable. Shame on Quicken loan. 

Bottom line : I asked XXXX to remove the hard inquiry and he refused to. 

I am requesting you get them to remove the hard inquiry and make it clear to them that they ARE REQUIRED BY LAW to ask for permission and that the average consumer has no idea that confirming their identity will give them rights to do a hard inquiry and affect their credit. There is nothing 'amazing ' about feeling trapped and uninformed. 

I am taken back by their behavior and hope you are too. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: TX

Complaint narrative:
I purchased from XXXX for tickets to XXXX XXXX XXXX XXXX on XX/XX/XXXX while on vacation for 4 families for {$650.00} using Chase Freedom credit card. I went online at XXXX XXXX to purchase the XXXX adults and XXXX children tickets. We didn't leave XXXX CA until XXXX XXXX  and I still haven't received my tickets. As we drove down there, I continued to monitor my email inbox and junk mail and still don't see any confirmation email. We stop to get gas, and I try to call XXXX at XXXX XXXX. The wait was long, so I leave a call back number. We went to the zoo to meet up with the other families. As we wait in line to get the ticket since I think there is something is wrong with there system because I bought tickets from them before and got it instantly. They did not give me a call back until we were already in the park at XXXX XXXX. As I spoke with customer service on the phone, I ask if I can cancel it because I'm already in the park, and it was their system error. She told me the ticket is final, but I try to tell her that I'm on vacation and doesn't live in XXXX XXXX, CA. At XXXX XXXX, she sends me the ticket. I call Chase the same date to put in a dispute, but they unable to do it since it's pending. 
I call Chase again on XX/XX/XXXX to put in the dispute and explain the same as the above. They told me that since the website mention all sale is final, so the ticket is valid. This is the second time I have a similar issue with Chase. The previous was luckily resolve by XXXX  stepping in to help because of the seller using deceptive description. I felt that all my consumer right using the credit card is gone since they put a phrase of " All Sale are Final '', and I can't use the dispute quality good/service for online. 
I have attached the call and the time I bought the ticket at the location and the call history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/XXXX ), Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a address in my credit report I have never lived XXXX XXXX XXXX XXXX XXXX, fl 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 non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
The agency handling this alleged debt has repeatedly failed to provide a response to my letters of dispute and request for verification. Places the item and then removes it from my credit report and then re-ages the collection and places it back on as though it is new. I have received 3 debt collection letters regarding this alleged debt. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They were responded to via certified mail with return receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( I have saved copies of all correspondence however I'm not attaching here, however I will make them available upon request ). Additionally the agency removed the old collection account I had disputed repeatedly since XXXX from my credit report and placed it back on my report with an open date of XX/XX/XXXX. This is the 3rd time that they have removed and placed the alleged debt back on my credit report with an updated date. I'm currently in the process of closing on a mortgage and this has caused complications on that front. I am hiring an attorney to seek statutory and actual damages if this does not get resolved immediately but I felt that it should be reported to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FCC Finance, LLC
State: NJ

Complaint narrative:
monday XX/XX/XXXX, a representative from FCC finance contacted my husband claiming to be XXXX XXXX. The called ID identified the phone number as our local pharmacy. 

Thursday XX/XX/XXXX, the same representative contacted my cell phone claiming to be XXXX XXXX from a local town. 

This mans true name is XXXX and he is calling from XXXX   XXXX in Texas. XXXX. He continues to spoof his number and uses deceptive practices to falsely identify himself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice. 

There are two entries as detailed below. 
the original creditor is XXXX in the amount of {$300.00}. 

XXXX sold the debt to XXXX XXXX to collect. 
I did take a ding for this on my credit. 

Additionally, Diversified Consultants is now reporting on the same debt, which I took a second hit for on my credit. 

I did speak with both to ensure this is the same debt from the XXXX. 

It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a address in my credit report I have never lived XXXX XXXX XXXX XXXX XXXX, fl 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