vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We were denied a loan modification due to NPV. XXXX stated that a computer generated or BPO appraised our home value at {$630000.00}. However, due to the distress of the property, we obtained a state certified appraisal at a value of {$450000.00}. We spoke to a representative during a recorded conversation of the following : 1 ) a certified appraisal would take precedence over a BPO, and would positively impact our ability to qualify for a loan modification. 
2 ) do to not make any attempt to resolve financial reinstatement until the appraisal could be reviewed, although the auction date had been set for XX/XX/19. 
3 ) we were told we had up until at least the day before the auction to financially secure reinstatement, and to wait for the appraisal to be reviewed before sending money as the representative felt the certified appraisal would warrant further qualification, yet the mortgage company would continue to " dual track '' the process. 
4 ) we were assured follow-up, but have received no information. 
5 ) return phone calls were promised, and non have been received, even after leaving several messages, sending several emails and faxes. 
6 ) erroneous extensions were provided causing our phone calls to be rerouted through an automated system and the dropping the call. 

The actions demonstrated by XXXX and PHH are indicative of an attempt to 1 ) dual track the loan modification process 2 ) manipulate response delays by providing inaccurate statements that, due to missing information, no action could be taken 3 ) provide false statements, for example we were told that an appraisal would be completed to dispute XXXX computer generated property value ; however, the appraisal was completed as a BPO, and not a certified appraisal. 

In lieu of the overwhelming circumstances, including the significant lack of XXXX and PHHs competence to conduct appropriate due diligence in the handling of our account, we would respectfully request that the foreclosure date be temporarily suspended until all measures are properly addressed and all pertinent information and data has received a comprehensive evaluation. 

The blatant mishandling of our loan modification application, including the erroneous and misrepresented statements by XXXX and PHHs representatives handling the process, should warrant an oversight to review the process and misrepresented conduct surrounding our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED 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 2019-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
Provident funding is the servicer. They have lied, cheated and used unethical practices when it comes to dealing with us. 

In XX/XX/XXXX our home sustained {$43000.00} in hurricane irma damages. The insurance company, XXXX XXXX would not repair the home or allow us the insurance money we needed. So, we hired an attorney and fought for all this time for insurance coverage. During this time, we paid, out of our own pockets, over {$18000.00} in repairs to assure the worst damages - windows, roof, doors, etc, were repaired to maintain the structure pf the house and maintain its viability so we could stay in it. Finally, a month ago, we were offered a " reimbursment '' for the damages we have paid for. I contacted Provident and followed their instructions - send them the damage report and ALL paid invoices from the construction professionals we used for the repairs. On XX/XX/XXXX I did that. I uploaded over 30 pages of documentation along with a financial breakdown of who did what and what we paid them. ALL invoices were noted " hurricane Irma '' and " paid in full '' by the vendors to assure we had proof of the repairs. Now Provident has said that is not good enough and they want " cancelled checks '' dating back 2 years because ( their words from someone named XXXX ) I could be lying to them. I even offered to send the pictures of the repaired home ( they have damage pictures ) and they don't want that proof. I am unable to scan 2 or 3 different payment venues for 2 year old payments and I do not get " bank statements '' with cancelled checks. NOW they are asking for a lien waiver or a " XXXX invoice '' to prove that this is a REIMBURSEMENT. The work is done and we have borrowed and worked our butts off to see that it has been done. We are a senior household and a veteran household and I resent being called a liar and having my ethics questioned, not to mention I am still not reimbursed ( I have the check..they want me to sign it and send it and I don't trust them to do the right thing ) for the thousands of dollars and 2 years of fighting we have undergone. Please help, XXXX XXXX has refused to assist and the CEO of Provident isnt returning my calls. We are fighting for our lives ... and Provident is trying to destroy us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
My lender was asking US Bank to subordinate a HELOC that had moved from 2nd position to first position when I paid off the first loan several weeks ago. A new first loan will be taken out and US Bank was asked to subordinate their loan as they had done previously with the other mortgage I paid off. They asked for a {$250.00} fee to do the subordination. They cashed the check and then declined to subordinate. The fee was never earned as it was not an application fee of any type, it was a fee to actually subordinate their HELOC which they refused to do. I paid off their HELOC and have requested a return of the {$250.00} fee from several departments within the bank. They never get back with me. The reference # is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance continues to report a loan to the credit reporting agencies with the wrong late payment dates. This account is too old to be report but nissan incorrectly reports repo and late payment dates to ensure the account is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cordoza & Wexler Recovery Services
State: NJ

Complaint narrative:
A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX. 
The male that was rude call me back from a XXXX I also sent the bankruptcy papers to a Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The company I work for deals with XXXX XXXX and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified TD Card services ( TD Bank ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I found this website for XXXX XXXX XXXX, https : //XXXX/, and sent a request inquiring about this one puppy we found, named XXXX. Almost instantly we got a response from and we exchanged emails regarding XXXX. I was asked some questions which breeders normally ask and I responded. The so-called breeder asked for a {$500.00} price through XXXX or XXXX XXXX. I had used XXXX in the past and thought it is trustworthy. I transferred the money to his XXXX email id, XXXX using my USAA XXXX Account ending in XXXX. He confirmed that he received the money and that he will start the process to ship the puppy immediately. Then I got another email that the shipper will be contacting me, and that the shipper will ask for a refundable crate fee and a shipping fee. Later that evening I got an email from some XXXX XXXX. There was no address or XXXX ID in the invoice that was generated, and I couldnt find any footprint of a business by this name on the internet. I was surprised to see that they are asking for {$930.00} for a crate, and {$30.00} as shipping fee, and the payment has to be made using XXXX or XXXX. That is when it struck me that this is some kind of fraud. I left a voicemail on the number on the invoice and got a call from this person immediately afterwards, who was trying to convince me that the puppy will be sent by air and would reach the airport later that night ; and that the shipper had local contacts who would pick the puppy up from the airport and deliver the puppy to our home. ANd when they deliver the puppy, they would also refund the {$930.00} crate fee. All this sounded too funky for a shipping business. I immediately contacted the owner, who again tried to convince that XXXX XXXX are very trustworthy and that he has been using them for years. I asked him to use uShip or my friend in Minnesota would pick the puppy. He showed reluctance for either. In the mean time, I called my friend, XXXX XXXX, and told her the complete story. She immediately sent another request inquiring about XXXX XXXX XXXX, the two puppies on the website. Strange enough, the breeder sent the exact same message to her and asked for the money to be sent via XXXX. She said she can not give cash and ended the conversation. Then a couple of days later she again contacted the breeder and asked if he would give XXXX for {$400.00} and he immediately agreed. That is when my friend included me in that email chain and exposed the fraud in open. Since then, I have been sending emails to this person but he is not responding. I contacted my bank USAA the next day disputing the transaction, but the bank has refused to honor the dispute. The reason I am now reaching out to this agency for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: SC

Complaint narrative:
HELP I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I was looking for my free credit report and was mislead into my Debt card being charged. On or about XX/XX/2019. 1 unauthorized charge of {$19.00} and 1 unauthorized charge of {$29.00}. I called Transunion XX/XX/2019 and the company rep agreed web page was misleading and reversed the {$19.00} charge and would not reverse the {$29.00} charge. I asked to speak to a manager and after speaking with the manager as a " courtesy '' he reversed the {$29.00} charge. 
The methods used to charge my card I feel are predatory.

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 2019-05-09 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: NY

Complaint narrative:
I have taken several steps to remove inquires that I do not recognize from my TransUnion credit report. I have sent multiple letters & have made multiple phone calls. I have last spoken today with a representative by the name of XXXX XXXX from TransUnion & he told me that he can not help remove the fraudulent inquires that are on my credit account within his Company, even though I am a victim of fraud. I would like for this issue to be resolved. Being a victim of this fraudulent matter is devastating to me & the future of my credit health

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 2019-05-09 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:
The company I work for deals with government contracts and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified XXXX Card services ( XXXX XXXX ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.

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 2019-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
XXXX HI guys. 
You did not answer my problem.The my mortgage monthly payment was counted for XXXX XXXX city Grand List on XX/XX/.This value on Grand List can not be change and is obligatory for one year.The Grand List   assessment XXXX take effect on XXXX XXXX  to the next XXXX in XXXX.While XXXX to XXXX XXXX the value of this assessment is mandatory.I bought my home on XXXX XXXX when I was under assessment from XXXX XX/XX/XXXX to XXXX XXXX.The assessment value of property tax was {$4900.00} this means that semiannual property tax to the city should be {$2400.00} to the XXXX XX/XX/XXXX, but you change it in the XX/XX/XXXX to {$2700.00} semiannual payment for property tax..Why?

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have a huge problem with the way that my late payments and balance are being reported with my account. First, they are listing a bigger balance on XXXX versus XXXX. Also I can tell there were problems with my account because there are late payments being reported that are not accurate. Currently, I am being reported as 30 days late on XX/XX/2018 and XX/XX/2018 on XXXX but then XXXX is reporting me as 30 days late on XX/XX/2018 and XX/XX/2018. That doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 I had a hard inquiry from American Express. I never consented into applying for this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank recently closed my business and personal accounts. As a result I was issued a check made out to my business, XXXX, a sole proprietorship registered under my social security number. I went to the bank to cash the check, as I do not have another business account and was denied. I provided ID and it was verified that I am indeed the owner or the business as sole proprietor. The branch manager,  XXXX XXXX refuses to help me. I asked if I could have the check re-issued in my name, also refused. I called US Bank on the phone and was given essentially the same answer. I was told that in order to cash the check and receive my funds I would have to open another account at a different institution, which would incur additional time and expense in order for me to get my money back. I do not wish to open another business account as I have suspended my business operations.

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I applied for and was approved a Navy Federal Credit Union XXXX XXXX credit card. I applied because there was a 12 month 1.99 % APR offer. I received the credit card along with the Credit Card Pricing Terms a few days later. The Credit Card Pricing Terms document the card was adhered to clearly affirmed that my APR was 1.99 % for 12 month for Purchases AND/OR Balance Transfers after which I would be at 14.99 %. This letter is dated XX/XX/2019 and I still have it. On my last statement dated XX/XX/2019 I see I was charged 15.24 % interest on a balance transfer. I then looked back at previous statements and see I was charged the same higher interest rate. I called the bank. The first woman I spoke to put me on hold for several minutes before going to speak with a supervisor ... she then said she needed me to wait longer while they work it out and then hung up on my. I called back again later and spoke directly with a supervisor who was also unable to figure it out. Please help me to get this resolved. I am guessing I am not the only one they are trying to pull this with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation