vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
My husband and I decided to refinance with a cash out option on our home with Movement Mortgage. We started the process In XXXX and ended up closing in XXXX. CD 's were late being delivered to us and we missed one of our scheduled closings, which caused an increase. We received a CD Disclosure on XX/XX/XXXX, which we were told was not the 'final disclosure ' but it would get our 3 day window started and that there were some fees that the lender was going to take care of. This disclosure was esigned by us on XX/XX/XXXX. A second disclosure came out to us on XX/XX/XXXX ; which was both esigned ( XX/XX/XXXX ) and then hand signed at closing ( XX/XX/XXXX ). This CD changed the amount of the cash out we were receiving, and provided lender credit. The final CD arrived on XX/XX/XXXX ; while we were on our way to closing. The title company supplied us with full copies of the XX/XX/XXXX paperwork at closing, which we hand signed and went home with ; to be funded on XX/XX/XXXX, with an amount of XXXX. When funding came through on XX/XX/XXXX ; the amount funded was XXXX. We immediately called out to the Title company because of the discrepancy, and was told that the CD was amended after/during closing by the Mortgage Company, and that they would reach out to them and see what was going on. During this time, the lender reached out to us ( on XX/XX/XXXX ) to ask for more paystub information, as they didn't get enough to complete their files before closing occurred. On XX/XX/XXXX, we received an email back from the Title Company asking us if we had heard from the lender. We had not, and forwarded that email to the lender with Movement Mortgage, and was advised that they were " working on resolution ''. Since XX/XX/XXXX, every email sent and received to/from the mortgage company just stated they were working on it ; Voicemail messages and emails to Movement Offices and Compliance Departments went unanswered. So on XX/XX/XXXX ; we sent an email to our lender advising if we did not receive a resolution that day that we would have to pursue legal advice. This seemed to have gotten a reaction out of the lending company ; because we then received an email not only stating that the additional funding was being sent for the " Tolerance Cure '' but that they cc 'd legal as well. So while things seem to be moving along in regards to the funding discrepancy ; we now have questions as to whether or not we ever received the fees that the lender said they were taking care of, the appraisal fee that we pre-paid and were to be reimbursed, and that the overall state of our refinance was done correctly. It further concerns us that our account was funded off of a CD that was sent during closing, that was never fully signed or disclosed. When we looked up what a Tolerance Cure is, it talks about a method to keep consumers from being over charged and TRID violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My car was reprocessed in XX/XX/2018 by Credit Acceptance Corporation and the account was closed. Balance then was around XXXX now it is XXXX Now this year they just started to add interest monthly on the remaining balance, They car was sold at Auction XX/XX/2018. How can they charge interest now on a car i do not have and keep reporting it to my credit on a closed account? I have called them because the police cam to my house saying they located the car in XXXX NC and that it was stolen. I explained i no longer owned that car it was reprocessed. I called Credit acceptance and they said the car was sold at auction over a year ago, but they cant do anything if the buyer did not put the car in their name. All they could do was provide me with a letter saying the car was not mine. After that call i began to see them reporting to my credit. With fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX is reporting I am late on a XXXX XXXX  auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also crdt first is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also wf XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police 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 2020-10-20 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: MD

Complaint narrative:
I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX XXXX Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MD

Complaint narrative:
I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX American Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.

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 2020-10-20 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: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank closed my account without my direct consent, in direct retaliation for reporting their mistreatment of myself as a customer to the CFPB. 

Per my first complaint, I clearly stated that my condition was to have chase confirm {$0.00} dollars owed and close the account. The language in this complaint is very clear, stating that I demand to have the account closed because I will not be paying chase anything else. 

Per her phone call " XXXX '' from corporate stated that they were simply following my request. This is absolutely false information, as here is the actual verbiage from my original complaint - " Chase bank will clear all debt in my name, and make my balance {$0.00}. They will THEN close this account, as I will no longer do business with this organization and I absolutely will not pay any more money to this organization. If THIS CONDITION is met, I will agree to hold Chase harmless for this issue, and continue with my lawsuit against XXXX XXXX without naming Chase Bank in any lawsuits. '' As clearly stated, these were not two separate conditions. Chase bank has unlawfully closed my account and permanently damaged my credit, as a result of their retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit major bureau about the unverified account : XXXX XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days which is a violation of the FCRA. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

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 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
A transaction was performed through Cash app XX/XX/2020 without my authorization for a debit of {$85.00} to an individual for services,. The services were not performed and i requested a refund back through the individual just to have them deny the refund. I reached out to cash app to resolve they did not they advise go to there website. I reached out to my XXXX bank to report it they replaced my card as a resolution. i still have not received a refund and i lost {$85.00}. As a consumer it seems i have no rights and individuals can use a 3rd party like cash app to scam people out of money. I have spoken with a supervisor at XXXX and he simply advised me i am not protected by 3rd party transaction even though its my money. I have been with XXXX for 25 yrs and can not believe there is no protection for there customers from 3rd party scams involving Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

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 2020-10-20 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: United PanAm Financial Corp.
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: NJ

Complaint narrative:
Hello Sir/Ma'am, On XX/XX/20, I submitted a payment from XXXX XXXX  to Barclays Bank Delweare ( BarclayUS.com ) in the amount of {$1000.00}. To this date that I'm contacting you regarding my concern, Barclay Bank has not applied the money toward my account, and further declared they can not find it and thus will not refund my payment. In the course of nine months, I have submitted proof of payment from chase over ten times. Barclay Resolution department has spoken via three way confirmation with XXXX XXXX  confirming that the payment was in fact made, and that I have been given any physical proof of payment which is available. I have been given several case numbers by Barclay Bank Resolution center which I will provide below : XXXX SUPERVISOR XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/20 XXXX from the Barclay Resolution center stated to me that he determined the payment was applied to the wrong account by Barclay bank. He further stated the last two digits of my account number were entered incorrectly by Barclay and it would be adjusted. After a week went by after speaking with XXXX, I received a letter from Barclay Bank stating my case was closed again with no resolution. On XXXX I called Barclay resolution to see why my case was closed, I was told the payment was not received once again. When I reminded the resolution employee XXXX from her department had said it was applied to the wrong account, I was told they could not find it anyway and thus my money was simply gone with no responsibility on the part of Barclay. 

On XX/XX/20 I followed up once again on a three way call with a XXXX  Claims representative ( XXXX ) to the Barclay Resolution Center. We spoke on a three way conversation with XXXX from Barclay who stated he can see the proof of payment from XXXX, but could do nothing to resolve my issue. Once again XXXX was reminded from the claims specialist working for XXXX XXXX  on the three way call, that the payment was made and all proof has been submitted confirming payment. 

After 9 months, Barclay Bank informed me they will not refund or apply my payment and it has been lost at my cost. I have provided the written proof they requested, I have gone to the Branch to gather proof as they have requested as well as having them speak with XXXX XXXX  claim specialists who have determined and provided proof of the time and date the payment was sent and received by Barclay Bank. Despite this proof, Barclay still refuses to refund or apply payment to my account. 

Thank you for any of your time in helping me to address this issue. This has been a very draining time for me and my family with all that Barclay Bank has put us through. 

Respectfully 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 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX  ( c/o XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! 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 non-monetary relief
Consumer complaint received 2020-10-20 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: MI

Complaint narrative:
On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: MI

Complaint narrative:
On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX ( c/o XXXX   XXXX, XXXX ). I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! 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