vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: TX

Complaint narrative:
Applied for financing a new home. XX/XX/XXXX Submitted all documents for a loan with XXXX XXXX Mortgage Loan Originator NMLS # XXXX TEL ( XXXX ) XXXX MOBILE ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXX Asked whether I was approved and told via text that I was and on XX/XX/XXXX that an appraisal was due. On XX/XX/XXXX was told no appraisal and that by loan officer XXXX she would order a new report of appraisal. Via text on up to XX/XX/XXXX I am told that no appraisal has come but now the builder, XXXX XXXX will pay for a " new '' appraisal and asked to ok the extension while a new appraisal is done. I ask what about the first appraisal I paid for and told which ever one comes in first we could close the loan. XX/XX/XXXX I notify XXXX XXXX of XXXX XXXX that I have lost confidence with the loan officer as she has been stringing things alone and does not keep me informed. Am told that her company filed a complaint with the loan department on the delays and I asked to be a party on the complaint and where do I call. Then told it is not the loan department but it is the appraisal management company and I ask again what and how do I FILE THE SAME COMPLAINT. No answer XX/XX/XXXX XXXX XXXX meets with appraiser on new appraisal XX/XX/XXXX The Lending company ask me to sign more documents via their web portal and I am suspicious XX/XX/XXXX XXXX XXXX calls and tells me the appraisal is in and I need to esign with the lender XX/XX/XXXX XXXX XXXX Property Manager calls and I say I am seriously upset with all the delays and I have informed his sales rep, XXXX XXXX of XXXX XXXX and how delay after delay has cost me in buying a new home and renting my current home. Inform him how displeased I am and may need a loan officer I can trust. <P/>XX/XX/XXXX File this complaint XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: FL

Complaint narrative:
We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all   XXXX   bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted TransUnion,  XXXX  and  XXXX  to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

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 2017-06-06 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: NV

Complaint narrative:
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, 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 2017-06-06 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: DISCOVER BANK
State: NV

Complaint narrative:
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: NV

Complaint narrative:
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX  to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX   The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I was reviewing my credit report and saw that a company by the name of Financial Management Solution was listed on my credit report stating that I owed XXXX XXXX XXXX {$3500.00} dollars. I was angry because I have never received any notification about owing any money to this apartment complex. I do remember living and moving from their complex back in 2013. I disputed this claim on XXXX web and XXXX wesite and ask them to provide me from the collection agency proof of this debt and how I came to owe this but I have received nothing. Nether credit bureau will say how I actually owe this money they just keep the collection listed on my credit report not explaining what happen in the investigation There is no court documents or anything. I believe the reason why they have done this is because while I was living there the apartment had many housing violations and I filed a complaint against them with XXXX XXXX 's County Government, Property Standard Division. The inspector charged and fine them and they in return ask me to move and so I moved to where I current live now but prior to me moving here the XXXX XXXX XXXX  manager lied on my verification form of my residency with them and stated that I was participating in criminal activity to hinder me from getting my apartment at the XXXX XXXX XXXX ; but it did not work because they lied and the manager did not believe them. So they have place this on my credit report in retaliation. I have documentation of all that I have stated I will mail the documents to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to resolve an egregious error that has negatively impacted m y credit score. I have  been trying to rectify this issue with this company reporting that I 've been late. This could not no be further from the truth. I have always paid on time and not only on time but have paid well over the amount due. I have spoken  to 2 m anagers and the store owners. There names are :  XXXX ,  XXXX ,  XXXX  who has first hand knowledge of the issue. I have also spoken to the owner of the store who has reassured me that he would handle it. To date nothing has been done.  XXXX  is not longer there because he apparently made so many billing errors during his tenure there that they let him go and they all have attested to that. They all know that credit reporting is false but no one is making the necessary moves to correct the error that has been created

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 2017-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
OnXX/XX/XXXX XXXX XXXX delivered a pay-off of personal line of credit. This has not been cashed by receiving bank yet. We have contacted numerous people and have been given conflicting statements. Where is the pay-off check that has been delivered? XXXX provided a confirmation that the check had been delivered ( on-line banking ). Sent to address on the statement.

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 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
I  was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a  XXXX   XXXX  and have spoke to  XXXX   XXXX . I have given  them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action  against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been working with Bank of America for a loan modification since  XXXX  of  2016 . At that time, i had requested to be reviewed for the HAMP program since the program was going away. The Representative there advised that based on who my Investor was that I was able to apply for the HAMP program and there was still time as long as I applied prior to  XXXX   XXXX . 6 months later, they just barely approved me for a loan modification however, now my payments have increased and i still have an unrealistic interest rate of 6.375 %. I just dont feel that Bank of America  property evaluated me and now I am finding out that they never reviewed me for HAMP in the first place. When i contacted them they said it was too late anyways becau se that program no longer exists!

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 2017-06-06 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: CA

Complaint narrative:
I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Today I receive a letter from Synchrony Bank/Walmart reducing my credit limit based on a consumer report pulled on   XXXX   XXXX   XXXX   and a score of  XXXX . I called Synchrony bank/Walmart to ask when my credit was pulled and the representative (  XXXX  ) would not tell me. When I pressed for an answer to my specific questions above again he proceeded to tell me maybe on  XX/XX/XXXX  or   XXXX   XXXX   XXXX  . When I asked to speak with a supervisor, reluctantly   XXXX   placed me on hold for 14 minutes and   XXXX   came on the line as an account manager. I asked   XXXX   the same question above ( when did above creditor pulled my credit and he proceeded to me that my credit was not pulled but they use a different company to get a score.
<P/>
Can you please help me with Synchrony Bank/Walmart who are violating my consumer right by illegally pulling my credit score or lied about the fact in attached letter as my credit is frozen with all   XXXX    bureaus?
<P/>
I am aware that companies can use other methods to review an account but not as stated in the attached letter.
Please advise.
<P/>
Sincerely,   XXXX   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 2017-06-06 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.   I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by  XXXX  for   XXXX  ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.

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 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX - When disconnecting cable & internet services with  XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and  XXXX  said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with   XXXX   customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by   XXXX    customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of  XXXX  to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
In the beginning of   XXXX   XXXX  , I began working with   XXXX   XXXX    from Bayview Loan Servicing , LLC. I am a  XXXX , and for about 2 months I had been working with  XXXX  because   XXXX   XXXX  , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months,  XXXX  lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with  XXXX  almost daily over the phone, which was always recorded by Bayview, and through email.   XXXX   XXXX   XXXX   was the deadline for us to have a complete file in order to stop the auction sale. On   XXXX   XXXX   XXXX  ,  XXXX  sent me an email stating that the sale had been postponed and the house would not go on auction sale on   XXXX   XXXX   XXXX  . After   XXXX   XXXX   XXXX  , I continued to schedule appointments to speak with   XXXX   as I always did, but he would not call me, until yesterday,   XXXX   XXXX   XXXX  , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on   XXXX   XXXX   XXXX   and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because  XXXX  and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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 canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Over a ago I was working for   XXXX   XXXX   XXXX   XXXX   of  XXXX , Pa. and I found out that the owner   XXXX   XXXX   had my Social Security Card in his possession.
I believe he used it to apply for credit under my name. As a result I now have several bogus accounts in my name under collections by   XXXX   for  XXXX ,   XXXX   XXXX  ,  XXXX  and  XXXX . None of these accounts I applied for myself.

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 2017-06-06 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: DISCOVER BANK
State: CA

Complaint narrative:
When I came to this country my friend co-signed on a private student loan through  Discover i n which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy.   XXXX   is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that  XXXX  and  XXXX  are reporting correctly and  XXXX  is not and the score on  XXXX  is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.

Company response to consumer: Closed with explanation