vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
There are many issues that are not quite correct when interacting with US Bank Customer Service Representatives ( Reps ). Either there are errors or unsupported collection of fees regarding private mortgage insurance ( PMI ) cancellation. 

Issues First, in XX/XX/XXXX, I verbally requested that PMI be removed from my account and was told that I would not meet the 80 % loan to original value ( LTOV ) until XX/XX/XXXX. After reviewing a US Bank letter ( dated XX/XX/XXXX ) and my US Bank Mortgage Statements, I determined that the XXXX date was in fact an error and LTOV was met in XX/XX/XXXX. This being the case, I missed the ability to write a request for PMI cancellation sooner than my XX/XX/XXXX request ( enclosed ). Based on the ( enclosed ) Consumer Financial Protection Bureau ( CFPB ) Homeowners Protection Act ( HPA ) Examination Procedures that indicates based upon the initial amortization schedule ( in the case of a fixed rate loan ), I could have made an earlier written request for cancellation if I was provided ( in XX/XX/XXXX ) with the correct date that LTOV was to be met. As you may be well aware, this is a lost opportunity to save money because paying a {$100.00} assessment fee and achieving PMI cancellation is cheaper than paying for six plus months of PMI ( at $ XXXXmonth ) that I do not need. 

Secondly, today ( XX/XX/XXXX from XXXX to ~XXXX XXXX EST ), I spoke with US Bank Customer Service Representative ( XXXX ) and was told that an assessment fee of {$100.00} is required to automatically terminate PMI, even when the 78 % threshold is met, and this is not clear from the XX/XX/XXXX letter ( enclosed ) that I received.

The paragraphs ( page 3 ) under the ( US Bank letter ) heading Automatic Termination of PMI are absolutely, positively not clear. It states that PMI comes off the loan when a 78 % threshold is met. The letter does not sate, as the US Customer Service Rep told me, that an assessment fee of {$100.00} will be expected if a person meets the 78 % threshold before the LTOV date. Per the aforementioned CFPB document ( page 3 ), There is no provision in the automatic termination sectionthat protects the lender against declines in property value or subordinate liens. That being stated, indicating I would have to pay a {$100.00} assessment fee after meeting the 78 % threshold, no matter the date at which I do so, does not seem justified. 

And by the way when I tried to send an email to XXXX, the address the US Bank Rep XXXX told me to use, it came back undeliverable.

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 2019-04-19 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: OH

Complaint narrative:
I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SR XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX RT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX STATE ROUTE XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SR XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX RT XXXX XXXX STATE, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XXXX XXXX XXXX Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX, I mailed a certified letter to OneMain Financial disputing the information on my credit report and asking for verification of the account. I received a response that said it was accurate but they did not send any verification documents and just said that the account has been sold. No dispute was placed on my credit report as required by Fair Credit Reporting Action and the Fair Debt Collection Practices Act. On XX/XX/XXXX, I mailed a certified letter to OneMain Financial stating that they violated federal law by not putting the dispute remarks and once again requesting validation documents showing my signature. They responded that they would not address any more disputes. Once again no documents were sent and no dispute remarks were placed on my credit report. XXXX XX/XX/XXXX, I sent a final letter regarding them not putting the dispute remarks on my account and stating that since they have violated federal and state laws numerous times, the account must be deleted. They responded that my dispute does not provide specific information. Since they continue to violate federal and state reporting laws, the account must be deleted. All correspondence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a Wells Fargo Propel World XXXX XXXX card. The annual fee for this card is {$170.00}. I was charged this amount on XX/XX/18 for a card being renewed on XX/XX/18 A Wells Fargo Banker mentioned that if I switched to their new Propel card within three months of the expiration of the card, the annual card fee would be refunded in full. 

I called on XX/XX/18 to make this switch, and was told that the switch could not be made on that day, but I should call back in 2 days. The agent I spoke to explicitly confirmed that the card fee would still be refunded with the product switch. 

I called back and switched to the new card, and again confirmed that the card fee from the old card would be refunded. 

After a few weeks I hadn't received a new refund, although the account had been cancelled and a new account opened with a different card. I called Wells Fargo, and they said that I was still owed a refund, but that it sometimes takes a few billing cycles to process. 

In XXXX I still hadn't received a refund, and I emailed Wells Fargo. At this time I was told that I was only charged {$25.00} and this had happened in XXXX, and no refund was owed. I asked for a fuller explanation and was told that the first response was completely wrong, and that I had in fact been charged {$170.00}, but that I wasn't eligible for a refund. 
I asked them to investigate and explained the conversations that I had on the phone in XXXX, and that the agent had noted that a refund was due. 

Wells Fargo promised to investigate and have the 'Executive ' team contact me within 2 business days. Wells Fargo failed to contact me in the meantime, and has ignored all written questions since then as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX   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 2019-04-19 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: CA

Complaint narrative:
I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX 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 2019-04-19 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: CA

Complaint narrative:
I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019, I sent a certified letter to TransUnion requesting validation of the account they are reporting for XXXX XXXX. They signed for the letter on XX/XX/2019. I requested copies of the account bearing my signature and if they could not send them to delete the account. TransUnion failed to respond to this request or place dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again asking for validation of the account and the documents and providing them notice of their failure to place dispute remarks. They responded on XX/XX/2019 stating that it was verified but once again failed to place dispute remarks and once again failing to provide verification documents. Since they refuse to follow federal and state reporting laws, the account should be deleted.

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 2019-04-19 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: CA

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A FEW ACCOUNTS I DID NOT AI=UTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX   INVETIGATED AND REMOVED THE IANCCURATE DATA. I FORWARDED THE INFORMATION TO EQUIFAX AND XXXX BUT THEY HAVE YET TO FOLLOW WTHE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I applied Barclays cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about Barclays Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : Usaa Federal Savings XXXX Please investigate to ensure there is no fraudulent activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a financed approved in XX/XX/2017 for my XXXX XXXX thru Capital One auto Finance, and I'm making payments since them and it did never being report to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The month of XX/XX/XXXX andXX/XX/2017it has reported that i was 30 days late on my payment. I did not have a late payment. Bank of America is the credit card company.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Transunion is reporting 2 XXXX student loans on my credit report from 2008. I requested them to verify this information and send me any evidence these loans are mine such as a contract or documents that I sign for these debts. However they have never done this and continue to report these 2 accounts on my credit. I have disputed these accounts 4 times and the outcome have been the same. They don't remove them and they don't send me any evidence that these accounts belongs to me. I am a XXXX XXXX XXXX Veteran and this situation is affecting my credit and my peace of mind.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I applied XXXX cards for XXXX shop but they rejected me with out any check or any control immediately and I lose my credit score This is not fare they did not check anything my current income or others.. I am complaining about XXXX Credit cards.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EASTERN BANKSHARES INC
State: FL

Complaint narrative:
Eastern Bank Auto Loan, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2017, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan

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 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
As part of my loan application, I paid an appraisal fee to my bank, Wells Fargo to perform an appraisal. I counted on this to establish the value of the house, and make sure the seller was reporting this properly. No appraisal was done by the bank. I was not provided with an appraisal or statement of valuation. I was concerned about this. Before closing, I told Wells Fargo that I did not want to close because I had no appraisal. They informed me that if I did not close, I would be sued by the seller. I was never informed of my rights not to close because I never received an appraisal. I asked a lawyer, who also said I would be sued. I was not aware of my rights when I closed. Wells Fargo provided me with an appraisal waiver notice to sign at closing today, but never at any time did I waive my right to review an appraisal and I paid appraisal fees up front to the bank that an appraisal would be performed and provided. They did refund my appraisal fee as a credit during closing, but this was the only notice I received that an appraisal would not be done or available. I feel as though I have been badgered into closing for fear of being sued. The bank did not inform me of my rights. They did not provide an appraisal or statement of property valuation.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019, I sent a certified letter to Equifax requesting validation of an account they are reporting under XXXX XXXX including copies of my signature and if they could not provide said documents to delete the account. On XX/XX/2019, they sent a response saying the account was verified as accurate but failed to provide the requested documents or place dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again requesting said documents and requesting a description of the procedure used to determine the accuracy within 15 days and asking for the names and phone numbers of the people they spoke with to verify the account. On XX/XX/2019, they responded with a simple " the account has been verified as accurate '' and again provided NO documents that were requested and have again failed to place the dispute remarks on the account. Due to their repeated failure to comply with federal and state reporting laws, the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2015, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan

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