vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Early in the year I refinanced my home. I was advised that the mortgage was sold to XXXX XXXX XXXX ( XXXX ) and the first payment was due XX/XX/XXXX. XXXX purchased from original company, XXXX XXXX. XXXX before any pymts. were due. On XX/XX/XXXX I made a pymt. online to XXXX for {$1600.00} for the XX/XX/XXXX due date. 
Immediately, I called a Rep with XXXX named XXXX and asked that the pymt. be backed out. He said he could do this as it had not posted. HE DID NOT BACK THE PYMT. OUT. 
See copy marked # 1, my XXXX XXXXXX/XX/XXXX stmt. indicating a pymt. was made to XXXX on XX/XX/XXXX. See item marked # 2, notice from XX/XX/XXXX that effective XX/XX/XXXX the servicing loan is being transferred to Planet Home Lending , LLC. I will add that this notice is dated XX/XX/XXXX, however, I did not receive it until after I had made the payment to XX/XX/XXXX. 

THIS IS THE PROBLEM and the REASON FOR MY COMPLAINT : I have been communicating with Planet every month as they have yet to credit me with the {$1600.00} payment that was made for the XX/XX/XXXX due date. On XXXX I spoke to XXXX and she told me it takes 60 days for lender to transfer and there will be no late charges assessed to me. On XXXX I spoke to XXXX and he told me it should ( the pymt. ) show up after the XXXX of the month. On XX/XX/XXXX I spoke to XXXX and she indicated the record indicates {$1500.00} unapplied, {$150.00} short of pymt of {$1600.00}. She referred me to XXXX XXXX, Mitigation Team Lead - See # 3. I never heard back from XXXX XXXX after that last e-mail. On XX/XX/XXXX I spoke to XXXX, she checked with a Spvsr and was told they are still researching. On XXXX spoke to XXXX in Customer Service, employee ID XXXX, he said everything should be resolved. A file was opened XX/XX/XXXX. BY THE WAY, NO LATE FEES ARE BEING ASSESSED. On XX/XX/XXXX see # 4 and the response # 5. I discovered the first of XXXX that Planet had reported me 30 days late on payments to the Credit Bureau which has resulted in lowering my credit score. On XX/XX/XXXX spoke to XXXX XXXX of Planet and she advised that a task was issued to resolve the credit bureau issue ( still going on ). I told her I would pay the difference of {$150.00} just to resolve everything if they would fix the report to the credit bureau and credit the payment they owe me and put it in writing. She told me to e-mail Customer Service with my request -- See # 6. See # 7, this is the response to my e-mail to Customer Service and # 8 is the report I downloaded from XXXX XXXX. 
I believe I have been more than patient and just do not know where to turn for HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!

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 2020-12-01 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: TX

Complaint narrative:
Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts Reason XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: GA

Complaint narrative:
These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.

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 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank has closed my account with know explanation or notice. 
I went to log in online and it stated : " We locked you out of your account, please call XXXX. 
After calling the number they stated they have closed my account. I asked to speak with a manager. The manger told me after review of my account they choose to terminated my account. They would not give a reason when asked and told me know one at any level would tell me and it's in their contract that they can do this at anytime without cause. 
I then went to the bank in person ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. ) to get my balance of {$1000.00} plus what is on my Chase credit card and was denied. They refused to give me my money. I think it is illegal to do this. I asked again for a reason and was denied. I am now worried about identity theft? I asked for my past 4 months of bank statements and was given copies since I can not accesses my account anymore because they locked me out. Those statements give no reason for termination to my account. 

Complaint is as follows : 1. No notice ( an email the same day is attached for you to review ) 2. No explanation or any suspicious activity ( 2 resent months of statements is attached ).

3. Denied my funds at the bank. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) 4. Have filed several high level complaints with the bank-no response.XX/XX/XXXX 5. I am also the power of attorney for my mother and our accounts are linked so that I can pay her bills if she needs me to. She has XXXX XXXX and that is why we set this in place with Chase. Now I can also not take care of my mother because of this. 

How a bank could do this to someone is unheard of. I understand if there was a legitimate reason as I understand that is how they can keep criminal activity shut down. I am an upstanding member of the community. Never been arrested. 
I now have no money for food or gas, how is something like this possible? 
I am a XXXX XXXX XXXX and can now not drive my buyers to show homes and perform other duties. 

I have documentation that I will attached for bank statement for the past two months along with other documentation. 


Please Help, XXXX I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit 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 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: KS

Complaint narrative:
A third party debt collector, IQ Data, was contracted by my old apartment complex, XXXX XXXX XXXX XXXX XXXX XXXX, to collect a valid debt. I already paid the debt, directly to XXXX XXXX XXXX, and informed the caller of this. She demanded proof, and I said I'd be happy to forward a copy of the front and back of the check which was deposited by XXXX XXXX XXXX. She insisted that proof would not be sufficient. She demanded my complete bank account statement. I told her no, she couldn't have my bank statement, but could have a copy of the front and back of the statement. She then proceeded to insult me, call me " irresponsible '' and a " deadbeat '' ( bear in mind this is *after* I told her I'd paid the debt ). I ignored the insults, and asked her what proof would be sufficient. She again repeated that only a complete bank account would suffice. I told her, again, that I don't send my bank account to strangers, so surely there must be some other way of proving that the debt is paid, in addition to the aforementioned canceled check. She went ballistic, started screaming, continued insulting me, and I disconnected the call. This happened XX/XX/2020, at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
CMG Financial has held my loan for about 5 years, there was never one late payment and we recently refinanced out of an FHA loan with a new company and for a lower rate. The loan was closed and payed in full as of XX/XX/2020 and I am currently still waiting for the Escrow refund check, as per the guidelines there is a 20 business day waiting period which this has been over and when I call them they can not tell me why I still haven't gotten my refund of MY money. This is against the guidelines and if it were the banking/financial institution they would be charging all kinds of late fees and interest. Why os it ok for them to not follow protocol and guidelines when they are holding the consumers money!? This is a disgrace of the servicer of my loan to not be meeting guidelines set forth for them but require us as consumers to always follow guidelines and make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is a Capital One account showing on my credit report as closed. This is inaccurate information and is affecting my lively hood. I have also missed out on a job opportunity because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was working with a Bank of America mortgage lending specialist to purchase a home. I provided him with all my relevant financial information including my somewhat unique student loan debt situation. Bank of America had a unique grant program that provides up to {$17000.00} in closing cost assistance. 

I was pre qualified for a {$330000.00} mortgage to buy a post-foreclosure home owned by HUD. I informed my BoA mortgage lender, XXXX XXXX, that we were bidding on the property. And informed him when we were accepted and entering a contract to buy. After I placed my earnest money deposit down Mr. XXXX informed me that the underwriter was having issue approving my loan because of my debt to income ratio. I then called him to figure out ways to adjust the mortgage product to fit the underwriting requirements. Mr. XXXX told me he was having technical difficulties and would call me back. He then contacted me two hours later informing me it would not be possible to BoA to give me a home loan on my selected property. 

Under my contract with HUD, I need a wet signed denial letter from the lender in order to cancel the home buying contract. Neither Mr. XXXX nor his co-workers have provided me with this denial letter. We informed Mr. XXXX we needed a wet signed denial letter on approximately XX/XX/XXXX or XXXX, 2020. Today is XX/XX/2020 and I still don't have a wet signed denial letter. Therefore, I still have not been able to cancel my contract nor have my earnest money deposit returned to me. Neither Mr. XXXX nor his supervisor XXXX XXXX have been helpful during this frustrating process. 

Lastly, all of this has been frustrating and unacceptable. My financing for a home was denied based on information my mortgage lender had before I was pre qualified for a home. And that same mortgage lender has not provided me the necessary materials to cancel my contract and have my earnest money deposit returned to 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 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
In early XXXX way prior to my due date, i wrote in writing an ach revocation on my bank account to cash express. On XX/XX/XXXX they pulled the money out anyway after I sent in the revocation. There is no way I can speak to someone other than the people that work at that location about it and was told that I have to come in and turn off the ach. I made it very clear in writing per the contract specifically said to do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation