vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
I am trying to get a mortgage on a new property from Better.com. I was told that my mortgage was approved and that we were ready to go to closing when that step was necessary. A week later, I was told that there were other requirements for the approval of my loan, that my current mortgage needed to be paid off, the closing date needed to be moved or the mortgage contingency on the contract of sale of my current house needed to be removed from the contract. I complained that they had already approved my mortgage and that these late requirements made it almost impossible. I sent a complaint to their complaint department and to their CEO and they reiterated their demands. Then they told me that they were not going to use my current mortgage in my debt to income ratio but that I needed to get a distribution plan from XXXX, the company where I have my IRA- this is not possible, there is no such thing- it is a self directed IRA. 

I made plans to purchase the new house with cash and choose another mortgage company in the future and so removed funds from the IRA as a short-term loan using the once-yearly rollover ability for IRAs. 

This morning, XX/XX/2021, I was told that my mortgage was done and that I should wait for underwriting to send me the paperwork to review and approved so it can go to closing in time for the closing on XX/XX/2021. Just hours later, I am sent the same demands for contingency removal and distribution plan. 

1- Better wants proof that I, as a retiree, can prove that I will have solid income for the future when they do not require this of people with jobs.

2- Better has told me on two occasions that my mortgage was approved only later to tell me they had the same requirements, requirements which I was told were no longer required.

3 - Better waited until no more time was available for me to get another mortgage before they started adding requirements to what was already an approved mortgage. 

4- Better required that I reinvest my IRA into an annuity so they could have proof of income. I am not sure that Better has the legal status to be providing securities advice and hold that advice as a requirement in their mortgages. 

I am prepared to buy my new home on XX/XX/2021 with cash but will suffer when applying for a mortgage after the fact because of my rejection by Better and because it will be a cash-out refi on an already paid off home. If I can get a Better mortgage before XX/XX/2021, I will, as that would be the simple solution even though I prefer not to do business with them any further. 

My concern is that those without financial knowledge may be being coerced to do things for which Better has no right to require. 

I can provide an email trail, which will take some time to gather, to support the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I tried to apply for a credit card with Synchrony XXXX to purchase appliances for a home renovation project. The application was misleading and confusing. We own the home we are renovating, but currently rent another home. I put that we own a home and listed my current residence as our address. My husband and I both have credit in the high 700s, so I can only think that the address problem was why we were denied credit. 

When I called to try to resolve the problem, Synchrony could not advise me on how to properly apply given our situation. I was advised to just keep trying until it goes through. I don't want a bunch of hard pulls and declines on my credit report, so this really isn't a solution. Synchrony should have a clear and non-misleading application. Given that this a home improvement product, there must be other consumers in the situation of owning a home and renting elsewhere. This should not lead to a credit rejection.

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 2021-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MN

Complaint narrative:
My son had a checking and savings account with Chime. He was killed in an accident XX/XX/XXXX. I contacted Chime XX/XX/XXXX via email ( their phone support is non-existent as all options ultimately culminate is directing one to send an email to their support team ). 

After providing proof of my relationship with my son ( guardianship, drivers license, and death certificate ) Chime issued two checks on XX/XX/XXXX for the balances in his accounts ( less than {$500.00} total ). After depositing both checks they bounced on XX/XX/XXXX, my bank told me insufficient funds, and I received a penalty fee for the returned checks. 

Today XX/XX/XXXX I contacted Chime and they told me they are not responsible for the bank fees, that the checks were sent to me in error, and they now need a Small Estate Affidavit to reissue the checks. 

As I've already provided the initial documentation they requested, I'm concerned if I provide any additional documentation why should I believe any future checks from Chime won't also bounce an incur additional fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
They closed my account out of nowhere claiming fraudulent funds were being deposited and demanded I send all my sensitive documentation to prove my identity and employment. I am who I say I am and am not fraudulent although they claim I violated the terms of my contract by being so. Not only did I prove my identity to them immediately upon request, but I have been in constant contact with them and have submitted my info on 3 separate occasions. They continue to claim they have not received such information and that it will take XXXX hours to verify upon each submission. It's been 11 days and I have not XXXX dollar to my name, no gas in my car, no food in my house, am about to lose my job ( ca n't drive ) and am XXXX  months XXXX. 

I have received the same pay from the same place upon signing up with this bank. They won't get me a supervisor to resolve the matter and are withholding all my funds for no good reason while making heinous claims about my honesty and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NJ

Complaint narrative:
Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX - Card Service XXXXXXXX XXXX Card Service XXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian Business Cred - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM

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 2021-09-20 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I paid my regular monthly payment of {$370.00} which was due XX/XX/XXXX, XXXX Credit Acceptance reported this payment to the credit bureaus as 30 days late. That information they are reporting is false. That payment I made on XX/XX/2021 was only 19 days late, not 30. I called them several times to get them to remove the derogatory remark from my credit report. As a result of this false 30 day late payment entry on my credit reports, my credit scores dropped 40 points. I have worked really hard to keep my finances in order and this is too much to handle. I sent them a certified letter requesting validation that they have competent evidence that they received my XX/XX/2021 payment 30 days late. They claimed that I have {$50.00} in late charges and they reported the late charges as 30 days late. This is a blatant and total violation of the agreement which I signed. Only contracted payments in the amount of {$370.00} should be considered 30 days late if they are paid 30 days from the due date, not late fees. A late fee in the amount of {$37.00} is NOT a contracted monthly payment. 
I demand that this false 30 day late payment be deleted from all 3 credit reporting agencies immediately, in accordance to the Fair Credit Reporting Act and the Fair Dept Collection Practices Act.

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 2021-09-20 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I am unable to lift my security freeze with Equifax. I have tried several times. The last time I submitted a complaint about this you, the cfpb or equifax or someone conflated my complaint with my husbands equifax account. Please do not do that again. I want to lift my equifax security freeze please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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:
On XX/XX/2021 I mailed a letter to Equifax requesting a debt validation of XXXX debt owed to XXXX XXXX. I also requested a debt validation from XXXX XXXX, as of date XX/XX/2021, I have not received any response from Equifax or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: HI

Complaint narrative:
My loan was sold ( offloaded/onboarded ) within days of my first payment to GuaranteedRate. I have been given three different loan numbers over 5 months. For two months I had not received any mortgage information. In particular, I could not pay my mortgage because the old loan number from when I bought the house didn't work anymore and my new loan number was not active. There was no way to pay online, and no physical payment stub to send in. I called once a week for two months to find out how to pay my payment and no one could give me any answers. 

Eventually on XX/XX/XXXX I was given advice from XXXX XXXX and XXXX XXXX from GuaranteedRate ( See attached emails ) to make a one time payment of XXXX to XXXX ( XXXX  XXXX XXXX  ) to a new account number ( loan number 2 ). I did so, and received email confirmation as well as a debit from my bank account. I assumed it was taken care of and all would be well. 

On XX/XX/XXXX my new loan number ( loan number 3 ) was activated and eventually showed that while my XXXX, XXXX, and XXXX payments ( all sent via check or via rate.com dashboard ) were accounted for the XXXX payment sent via XXXX did now show up. I then began contacting them to alert them of the missing payments ( see attached emails ) and was never given an answer other than " contact our research department '' or just simply " we can't find that payment, sorry. '' I sent all of the pertinent information to the research department on XX/XX/XXXX and the problem still has not been rectified. 

In the meantime I've been getting mail from the company stating I am at risk of losing my house. I also received multiple bills from them demanding I pay up to {$7400.00} because the new loan had not received payment from the loan it BOUGHT OUT ( ie loan number one ). This was terrifying for me as a first time homeowner, and completely unprofessional of them blaming the consumer for their clerical errors. 

Finally today ( XX/XX/2021 ) I spent over an hour on the phone with customer service at Guaranteed Rate and all they could do for me is " put in a work order '' which " may be done by XX/XX/XXXX ''. Even if that's the case it shows I am delinquent on my XXXX payment, since my XXXX payment went to pay the one that they have lost. I'll also be due for an XXXX payment soon. 

I have talked to countless people on the phone and spent countless hours and I either hear " We don't have access to that page so there's nothing we can do about it '' or " Send this to research and they'll take care of it ''. None of this has helped, and no one seems to want to help my fix my problem. I sent a payment in good faith as I was instructed to do by a person at GuaranteedRate, trying to do the right thing and pay my mortgage, and all it has done is caused me grief and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
LoanCare has been billing me for insurance out of escrow since XX/XX/XXXX even though I provided proof of insurance of my own starting XX/XX/XXXX and the lender refunded the unused portion of the amount taken out of escrow since I no longer needed the lender placed insurance since I hand my own. I had coverage with XXXX XXXX XXXX XXXX Insurance company from XX/XX/XXXX - XX/XX/XXXX. Prior to the coverage expiring I decided to switch over to XXXX XXXX XXXX XXXX, whos coverage was to start XX/XX/XXXX - XX/XX/XXXX and they sent over evidence of insurance XX/XX/XXXX. LoanCare stated they didn't receive it so I provide the details over the phone to their insurance agent and emailed it to them as well. Then, without my consent, they sent a payment to XXXX XXXX XXXX XXXX XXXX XXXX of {$980.00} to renew that coverage which they received on XX/XX/XXXX. So, I had to contact XXXX XXXX XXXX XXXX XXXX XXXX to request that money sent back to LoanCare and I confirmed LoanCare received it via their insurance department. LoanCare then sent a payment of {$430.00} to XXXX XXXX XXXX XXXX, received on XX/XX/XXXX, even thought when I spoke to LoanCare 's insurance department, I advised them I am paying XXXX XXXX XXXX XXXX direct via autopay when I provided them proof of insurance over the phone when I was asked. I then had XXXX XXXX return that payment to LoanCare which was returned on XX/XX/XXXX. I have not missed a payment with either insurance copy. I have contact LoanCare several times to resolve this issue but keep getting the run around. At one point I was told by one of their agents that the {$25.00} charge was a payment to XXXX XXXX XXXX XXXX XXXX XXXX which was proven a false once I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed no such payments received. I have spoken with several of their agents and supervisors for assistance and they would either have me submit a escrow analyst request or submit it themselves but I get the same that I past due, which I supervisor confirmed that I'm not. I accepted an offer from LoanCare for a COVID relief forbearance, from XX/XX/XXXX XXXX, and per the terms " If you go into the forbearance past due then you will be reported as paste due ''. I was never past due before the forbearance and I'm not past due now. A supervisor had as well informed me they LoanCare is not familiar with the forbearance process and believes that is why they are saying I past due but no one knows how to fix it. Starting on XX/XX/XXXX that {$25.00} increase to {$160.00} for escrow insurance payments for XXXX, which is XXXX XXXX XXXX XXXX, who I already pay directly via autopay.

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 2021-09-20 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: MA

Complaint narrative:
The XXXX XXXX Visa credit card was changed to Barclays Mastercard. I have been trying to set up an on line account so I can pay the bill but haven't gotten a reply from them so I can access my account and I have been waiting two hours to speak to someone to help me. I thought my account was paid when it was with XXXX but they took the XXXX information on line down and when I did manage to open an on line account with Barclays I see it was not paid and they have added a late fee to what I owe and now they are not sending me a code so I can't enter my on line account and pay my bill. Their phone number either has recordings which don't understand what I am saying or hours of wait time to talk to customer service. I want to pay my bill and cancel this XXXX card.

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 2021-09-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Date open : XX/XX/2019 Amount/balance : {$6100.00} Serious past due date/assigned to attorney, collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I have disputed a collection from Credit Corp Solutions a total of four times to XXXX Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, XXXX received it on XXXX/XXXX/21 at XXXX. On XX/XX/XXXX2021 at XXXX XXXX notified me via email that my dispute was open. On XX/XX/XXXX21 at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. Credit Corp Solutions reported to XXXX the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support Credit Corp Solutions accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. XXXX has failed me as a consumer. There absolutely was no investigation and XXXX Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to XXXX are as follows : XX/XX/XXXX21... XXXX/XXXX/21... XXXX/XXXX/21... XXXX/XXXX/21. XXXX has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My collection was taken off my consumer report and them was put back on my credit report which is illegal under the rights with Consumer Law. I never gave them consent to put that on my consumer report I also wrote them an affidavit along with an invoice for the damages they have caused me by this action of them putting that collection on my consumer report, and they have not responded back 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 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Due to hardship from the pandemic, i had to go on foreberance on my mortgage. 
My loan servicer, Mr Cooper and i are in the process of loan modification, rolling the unpaid balance to the back of the loan they said. But at this point, they are asking me to pay {$2600.00} per month and i can only afford {$1500.00} to {$2000.00} per month and i know they can do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I deposited {$400.00} dollars in cash into my checking account using my debit card at a First Horizon ATM. The ATM malfunctioned and did not print a receipt or release my debt card. I went to the bank that following Monday and received my debit card, but I did not receive credit for the {$400.00} I deposited. I was told that there was no record of me depositing the funds ; however, the bank had possession of my debit card. I also asked to review the ATM security footage and was told that I was not allowed to see the recording. I made a dispute numerous times to no avail. I believe this ATM may be set up to keep cash deposits. There may be a scheme whereby the ATM freezes up when cash deposits of a certain amount are made. The ATM keeps the card and doesn't print a receipt. Then the card is returned and the customer is given the run around about the deposit.

Company response to consumer: Closed with explanation