vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
FHA -- CASE # XXXX An application for assistance was completed with Mr. Cooper ( MC ), in XX/XX/2018. 
At that time the reported gross qualifying was stated in the amount of {$3600.00}. 
( See exhibit A Affidavit of Income ) MC, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$1400.00}. 
( See exhibit B Alleged HAMP-FHA Trial Plan ) However, based on front end debt to income ( DTI ) ratios a gross income of {$3600.00} and a mortgage payment of {$1400.00}, calculates our DTI, at 40.15 %. This amount of 40.15 %, is outside the guidelines set forth by FHA and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. As a result of the gross negligence demonstrated by the MC, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program.

The Department of Housing and Urban Development ( HUD ) has specific guidelines for FHA debt-to-income ratios. HUD is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits.

According to HUD : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % / 43 % According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. We expect these requirements to remain in place throughout the year, since HUD has not announced any changes to them.

This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income.

Needless to say, we are furious that our loan was mismanaged by MC and staff and our family is considering filing a civil suit in order to force MC, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have requested to do balance transfer of XXXX dollars on XX/XX/2018 with my discover credit card, that will transfer to my XXXX Savings account. They did a transfer within a week and status got changed to fund sent where it was mentioned that usually 5 to 7days, XXXX account will receive the amount. But, even after 7 days, it dint get deposited to XXXX account. I have called discover on XX/XX/XXXX and they confirmed that i have to wait until XX/XX/XXXX and if i dont receive on XX/XX/XXXX, then, i can call again discover to raise the complaint. since, amount dint get deposited in my XXXX savings account, i have called discover again and asked them about the status, they said about starting investigation and next week they can reach about updates. today, XX/XX/XXXX th called them again, they said it may take upto 45days to find where the issue is and why this amount dint get deposited in my bcu account. Problem is, i did a transfer from discover to XXXX, discover dint have any tracking record about cash check they sent.i dont have any idea now where the money is. due to this, my load got rejected, was in a kind emergency situation that i could not resolve and facing lot of issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: TX

Complaint narrative:
They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus

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 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. XXXX, Equifax and XXXX  all had info on them that was not in the other. The report showed an open line of credit open on Equifax but not the other two.XXXX showed a child support balance, paid in full. And XXXX   showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to equifax and refused to report to the other two agencies. When i contacted XXXX they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. Experion, XXXX  and XXXX all had info on them that was not in the other. The report showed an open line of credit open on XXXX  but not the other two.Experion showed a child support balance, paid in full. And XXXX  showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to XXXX  and refused to report to the other two agencies. When i contacted XXXX  they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )

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 2019-01-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( PayPal  ),  XXXX, and 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 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: E*TRADE BANK
State: MN

Complaint narrative:
I have had a checking account at E*Trade Bank since XX/XX/XXXX. On XX/XX/XXXX I opened a new money market account at E*Trade Bank and on XX/XX/XXXX I opened a second new money market account at this Bank. On XX/XX/XXXX, I sent a certified letter to E*Trade Bank to opt-out of the mandatory arbitration clause following the instuctions contained in the Banks account agreement, which as mailed to me with the new accounts signature card. The Banks acccount agreement states opt-out of arbitration is permitted if requested within 60 days. The US Postal Service confirmed the certified letter was delivered to the Bank on XX/XX/XXXX. On XX/XX/XXXX ( 5 business days latter ), E*Trade Bank informed me they would no longer be doing business with me, were placing me on their no further business list, and I had 30 days to remove funds from my accounts. I sent E*Trade Bank a complaint letter via their online submission system on XX/XX/XXXX and I received a call back on XX/XX/XXXX in which a representative of the bank verbally confirmed that my account was being closed because they viewed me as a business risk since I was requesting to opt-out. I offered to rescind my opt-out if the Bank would allow me to keep my checking account with them open. On XX/XX/XXXX, with all my account balances at XXXX, the Bank closed my checking account without my permission and locked me out of their online website to view statements and account information. What is the point of arbitration opt-out if E*Trade Bank closes my account? That isnt an opt-out if they close your accounts because you opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
My ex started up a XXXX account. For some reason the account is showing up in my name when I know for a fact my name wasn't on it. Or shouldn't of been anyways. Diversified has repeatedly called me, harassed me, and told me they will make sure my credit score gets hurt from this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: TX

Complaint narrative:
They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus

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 2019-01-18 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: TX

Complaint narrative:
They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint form because Experian, has ignored my request to provide me with documents that their company has on file that was most likely used to verify the accounts i disputed previously. Being that its been pass the 30 day mark and cant verify these accounts, under Sec.611 ( 5 ) A of the FCRA : They are required " to promptly delete all information which can not be verified " that i have disputed off my account. Please resolve this manner as soon as possible. Thanks

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 2019-01-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( XXXX ), Barclays, and 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 2019-01-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from Discover, XXXX/XXXX ( XXXX ), XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: SC

Complaint narrative:
Netspend I purchased 2 game system ONLY from XXXX for my grandsons who live an hour away from me as a XXXX gifts. On I purchased the full amount on my card the other a purchased a couple days later has to go to another store once they came in stock to buy one part cash and the remainder on my card I had charges for something with online purchases totaling {$240.00} for something that had to do with XXXX XXXX starting around XX/XX/XXXX but I didn't know it until my card was declined knowing that I still should have had money on the card. I checked the transactions as soon as I noticed it I disputed the charges. Supposedly it was escalated yet the last time I emailed there was no response I do not have a game system in my home being that I am a XXXX year old female and they don't live with 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 explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
i wrote a letter to Equifax in XXXX Georgia requesting my credit report on XX/XX/XXXX. I am a XXXX citizen and i have created a USA identity as i do business in United States with an American C corp registered in XXXX XXXX, Nevada in XX/XX/XXXX. So i this wanted a Credit Card from the USA which i received. In receiving my USA credit card i used my XXXX Social Insurance Number and the number of digits is the same as an American SSN number. I called into the Head Office of Equifax requesting my credit report and was told about the situation that XXXX and XXXX have a credit file on me and have used my XXXX SIN  number and that i wanted to see what was on my credit report on Eqiufax as i believed there to be derogatory information, similar to what was on my XXXX Credit report. I wrote them a letter giving all my American EIN numbers, ITIN number XXXX SIN   number, and proof of my XXXX SIN  number which they asked for. Then On XX/XX/XXXX i followed up with them by telephone after receiving a letter from them dated XX/XX/XXXX and in this letter they requested that i provide them with US SSN number, drivers license and other forms of identification. I previously sent them my Bank Statement which shows my US address. Though i have moved from XXXX XXXX to XXXX when i called on XX/XX/XXXX i gave them this information and they still said that the information I provided to them did not match there records. Which is a hint to me that my Name was there correctly and that it is possible that the address they have on file is yes not anything that i gave them, and then conceivable that my credit file was compromised in the XX/XX/XXXX Equifax data breach. And now i am stuck and can not even see my credit report to try to correct any errors or inquire about what my score is. I do not know who to contact to reveal my credit report to me to actually see if in fact this is true. And by not being able to see my credit score and its contents i can not know how to repair the issues or dispute them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been trying to get pre-approved for a mortgage. 
My lenders can pull all the credit bureaus other than Equifax. 
I have also try several paying services to review my credit with all the major agencies. I was succesful with all of them but Equfax. 
I called Equifax 8 times in 3 days. I spoke with customer service, supervisors and fraud department. Every time it's a different story. In the end everything seems fine on their end. 

I have submitted several times copies of my driver license, social security card and bank statement as a proof of address. 

I have spent almost {$200.00} to get my equifax credit report. Everytime I get something from them it shows as blank. Like I have no balances. 

I have no idea where to go after this. This is making impossible for me to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I try to apply for a loan through Credit Acceptance through XXXX XXXX   XXXX in XXXX PA I'm trying to own Virtues  Of All XXXX XXXX XXXX through credit exception got denied trying to purchase a cartoon XXXX   forwarding and XXXX got the nine got them you tried to apply for XXXX XXXX XXXX got the nine any new places here in XXXX  PA the XXXX XXXX XXXX and purchasing a vehicle all because of XXXX XXXX XXXX XXXX XXXX and some more and some other more with my real to talk to someone over the phone about it XXXX XXXX denied me of a XXXX XXXX XXXX or XXXX XXXX a 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 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a check from a friends company deposited into my new chase college account now there is a restriction On My Account And I Cant get my funds I Really need help I just paid my car note off the card before the check was deposited

Company response to consumer: Closed with explanation