vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
We are currently trying to refinance with a lender ; however, per our Title pull, we have an existing outstanding mortgage on our home from XX/XX/XXXX from TCF Bank, ( which was a first mortgage from the purchase ) that was never recorded as being satisfied / paid off ( even though it we refinanced with another company in XXXX and our first mortgage was paid off via that refinance ). We faxed a loan satisfaction / release request on XX/XX/XXXX to TCF Bank, and since then this has not been satisfied. We have called TCF Bank every week since then ( sometimes several times a week ) to find out why this document hasn't been recorded yet with our County,  and they give a different story every time ( it's still processing, it's delayed, it's been satisfied / processed, it was sent to the County, it wasn't sent to the county yet, etc. ). Also, we can never speak with anyone but customer service, as they will never connect us to anyone in the loan / lien department there. We have been given the runaround for over 2 months now, and since then we have not only lost our loan rate lock ( which we paid over {$2500.00} for ), but also months of lost savings from not being able to refinance ( over {$500.00} a month for several months now ). TCF Bank refuses to send us the document directly so that we can bring it to the County for recording ourselves, and will not give us a straight answer as to why this has never been recorded with our county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken ( Rocket ) Mortgage sales rep pulled my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: SC

Complaint narrative:
XX/XX/XXXX To whom it may concern, I've been trying to Modify my home loan originally with XXXX XXXX / XXXX XXXX since XX/XX/XXXX. After completing and submitting my application XX/XX/XXXX, I never received a correspondence of denial or approval, and all calls went to voicemail, along with emails going unanswered. 
Pending a foreclosure hearing set for XX/XX/XXXX, I received a letter XX/XX/XXXX from the lender 's attorney stating the property is in foreclosure, and attached a occupied conveyance application for me to fill out. 
On this letter It also said it please contact XXXX XXXX if you have any questions. ( attached ) I immediately telephones XXXX XXXX XX/XX/XXXX, who then told me, they no longer owned my long since XX/XX/XXXX and I never knew. 
After a Web search I discovered the money source owned my loan. I reached out to the money source and told them I was in a process of a modification with loan care to no Avail. 
The money source offered me to apply for a modification with them and I submitted my application XX/XX/XXXX. 
XX/XX/XXXX I received a letter stating that the money source needed a bank statement I see it the money source the bank statement XX/XX/XXXX. 
XXXX The judge extended the foreclosure hearing since I was in the process of a Modification application. 

XXXX XXXX XXXX= follow up call with XXXX XXXX ext. XXXX, says I should hear something by Monday XXXX. Told him I was having issues with account manager, he said he would email supervisor. 

XXXX XXXX XXXX. = follow up voicemail to XXXX Re : not hearing nothing since Monday XXXX. 

XXXX XXXX XXXX =Still waiting on response from XXXX or a electronic correspondence to confirm my submission from XXXX will complete my application. 

XX/XX/XXXX Called T.M.S to follow up on application. 
Told by rep ( XXXX XXXX ) all documents had been received and to leave a message for XXXX. 

XX/XX/XXXX missed call from XXXX XXXX XXXX 

XX/XX/XXXX called XXXX back XXXX XXXX 
Held for 15 minutes, than sent to XXXX 's Voicemail. 
Left voicemail. 


XX/XX/XXXX called again to speak with XXXX Sent to voicemail. 

XXXX No returned call, no follow up documents on application status. 
XXXX I discovered TMS told their attorney they were waiting for documentation from me and I had till the end of the day to submit it. Documents I had and still have no idea about as of this letter. 
XXXX No returned phone call or answered phone call with TMS. Also no corresponding letter stating missing documents or of approval or denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. 
I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. 

The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. 

Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 

XXXX XXXX XXXX XXXX Past Due Amount : {$0.00} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance {$180000.00} Monthly Payment {$1200.00} Past Due Amount {$0.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. 
Your most recent missed payment happened 2 Months ago

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 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
I received an email from a scammer claiming to be Lendingtree saying I was approved for a loan. I called the number in the email ( XXXX ) as instructed to do so. They started verifying my personal information aloud such as my social and account number then they started asking me for my online login and debit card number which of course I did not give to them. They said they needed it for them to deposit money and for me to send it back in order to have the loan funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this issue with Equifax in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to remove these fraudulent charges from my credit report. This is a violation under the FCRA. Account is the following : XXXX XXXX account # XXXX. Opened date : XX/XX/XXXX. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was reviewing Experien, and noticed that they had false information about my credit history. I had previously attempted several times to get this corrected. They have an automated system which does not allow for proper explanations and they refused to take my complaint because it involves XXXX XXXX XXXX and they must have a special arrangement - Experien indicated that my unresolved complaint could not be filed because I had filed it previously, although it remains unresolved. 

Experien would not allow me to use the wording, which suggests that they manipulate complaints to the favor of those committing crimes and injustices. 

The Credit Bureau process itself is a bureaucratic process to eliminate complain ts into a void of criminal activity protected by bureauracracy.

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 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
I contacted SPS on XX/XX/XXXX for a pay off. I am in the process of refinancing. There's been no response to the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
NOTE : Complaint Number XXXX my contact number should be XXXX NEW ISSUE : NOTE : There is no way to try to resolve with Experian as there is no way to contact them via email, phone, etc. 

On XX/XX/2019 I contacted Attorney General Consumer Protection regarding Experian not allowing credit report to be done once I thawed my credit. They suggested unthawing all CRA. Also, I extended my temporary freeze from XX/XX/2019 to XX/XX/2019. 

On XX/XX/2019 I went to my credit union and they were still unable to run a credit report. I called the number for Experian, my credit union verified that my credit was thawed ; however, no credit report could be obtained. My credit union suggested I place a permanent thaw on my report. 

I then proceeded to do this. However, now the automated system says I must mail to them : Full Name, Address, last 2 years of addresses, Copy of DL, PIN for Experian, 2 utility bills or bank statements, THE LIST GOES ON so Fast, I can't write it all down ; BUT once it is mailed and received it will take 3 DAYS to process. 

I can't even temporarily unthaw my credit report now! This has taken over an hour to try to get my credit report to be released for the credit union. 

The credit union says they have never experienced this before.

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 2019-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MS

Complaint narrative:
My accounts are being reported as in deferment but they are not. The balances and the last payment is also not showing up. This is delaying my ability to close on a loan and I need the accurate account status to reflect my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
BARCLAYS BANK OF DELAWARE REFUSING TO ACCEPT PAYMENT FOR DEBT THAT HAS CAUSED A LIEN ON MY PROPERTY. 

A lien was put on my property back in XXXX after a credit card debt was not paid. Barclays put a lien on my property which I only became aware of 2 months ago ( XX/XX/XXXX ) since I was trying to refinance my home. My ex-husband ( who caused the credit card debt ) had recently signed off the deed and my attempts to resolve the issue have failed, due to lack of cooperation and information from Barclays in order for the debt to be paid. 
The credit card debt was sent to a lawyers office in charge of collections for the credit card debt. This was temporary and we were told by his office that the debt was back in Barclays hands. 
Barclays has refused to accept the payment to tell us where the payment should be and that if we did send a payment we would NOT get a receipt. 

The lien on the property wont go away until the debt is paid. We have the money to pay this debt but we are told that they cant give us information on this account and they cant talk about it. For a month now ( starting XX/XX/XXXX ) we have tried to contact Barclays using many different phone numbers in order to somehow get an answer. 

( In comparison, XXXX XXXX sent a letter stating the amount of the debt for that card and that once it was paid the lien would be removed -- we received the letter within 48 hrs ) It is incomprehensible that Barclays is not being helpful in order that they receive the {$5000.00}. We want to pay this so the lien is taking off the property. We hope someone can help us through this frustrating time. ( penalties are still being added to the account each day since we cant pay for it. Settlement has been cancelled once due to this situation. 
BOTTOM LINE : We need Barclay 's of DE to tell us how we can pay off the debt that is owed to them. An address, a receipt and a letter to let us know that the lien will be removed once the debt is paid! Only then can I move forward with refinancing this home. 
Thank you,

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 2019-09-09 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: DE

Complaint narrative:
There is incorrect information reporting on my credit report

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 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Total Card, Inc.
State: TN

Complaint narrative:
I applied for an unsecured Visa credit card through Total issued by the XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. I was approved for the credit card on XX/XX/2019 and asked to pay a {$89.00} program fee. I paid the program fee, and upon completion of the fee processing my account would be opened for use. Since paying my program fee, I have called to check the status of my account and the automated message tells me " that my program fee has been paid and my account should be open within the next 60 minutes. Four weeks later I'm still getting the same automated message. I have a card that's useless and I have a program fee that is potentially lost. I am unable to get a live person on the phone or even live chat with anyone through their website. The website does have a support email contact. I've sent several emails to the support contact address and no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: DE

Complaint narrative:
There is incorrect information reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
There is incorrect information reporting on my credit report

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 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX i made a ph pmt of {$1000.00} to XXXX from my checking. 

The pmt somehow was applied to the incorrect account ending XXXX by the Barclays. 

I made the pamt correctly their system mis-applied my pmt.

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 2019-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Opened case a year ago. This has been on my credit report for over 11 years seriously effecting my credit. It should have been only 7 years to clear it off but yet is still reporting making everything cost more.

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 2019-09-09 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: Screening Reports Inc.
State: IL

Complaint narrative:
My credit report was scan on XXXX-19 through this company ( Screeningreports inc ) And by the certain cycle I was told that the company is using to scan my report, is showing a inaccurate XXXX Credit score and information on my report which is causing me to get Denied for my apartment lease. Its showing the inaccurate amount of my credit cards balance & other loans balance. I have worked hard for the past 6 months to get my score up to a certain score in order to get approve but however the company is getting a inaccurate XXXX credit score on  my report. I wasnt told specific details of the cycle the company use, but Im totally confuse on why its showing inaccurate information.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-09 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: VA

Complaint narrative:
I recently requested a new credit chard from XXXX XXXX XXXX. On the letter accompanying my credit card, it included my credit score and also stated, " Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : '' I went online and called in order to obtain this report but it refused to give it to me without charging me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
When I tried to make a payment 3 yrs ago this BANK OF AMERICA would not accept the payment with my debt card. They insisted a checking account information, I do not give out my checking account information, I attempted 3 times to make a payment. They could never explain as to why after several month of me making payment on my account on time and using my card why it was stopped. When I refused to use a checking account they blocked usage. after 3 years now. they Contacted my SON at his play of employment, this harassment is WRONG,

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