vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
CASE # XXXX an application for assistance was completed with Mr. Cooper ( MC ), in XX/XX/2018. At that time the reported gross qualifying was stated in the amount of {$7300.00}. 
MC, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2500.00}. 

However, based on front end debt to income ( DTI ) ratios a gross income of {$7300.00}, and a mortgage payment of {$2500.00}, calculates our DTI, at 34.82 %. This amount of 34.82 %, is outside the guidelines set forth by FHA and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the MC, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has specific guidelines for FHA debt-to-income ratios. XXXX is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to XXXX : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. 

Needless to say, we are furious that our loan was mismanaged by MC and staff and our family is considering filing a civil suit in order to force MC, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have over paid XXXX XXXX by {$360.00}. 
I first called XXXX several times over several months and they stated that the extra XXXX payment is not in their records. 
However, during the same period I called Citi several times and they confirmed that my account statements showed that the funds did come out of my account After speaking with both XXXX and my bank Citibank on numerous occasions, including having my Citi rep on the phone with a XXXX rep on two separate occasions, and including both having my Citi rep fax over my bank statements to confirm that the funds were paid to  XXXX, both companies have refused to make me whole. 
I disputed the charge with Citi and they said that because the transaction was made 4 months ago, that they could not make me whole. Although throughout those 4 months I had been on the phone no less that 15 times  with both XXXX and Citi trying to fix the situation. I am requesting that I be made whole and I would like to only pay for the services that have been rendered to me, and not {$360.00} extra. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
This is no the first time that happen. Three or fourth times before occurred the same. I called to Xoom and like is usual they try to apologize. This last occasion on XX/XX/2019 I sent money to my country to cover some obligations. After almost five days the local bank didn't receive the money and I cant to comply with my very urgent compromises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
Mid-XX/XX/XXXXI received a letter from the XXXX XXXX, XXXX XXXX XXXX, XXXX, NE XXXX Fraud Prevention Department that they had placed a temporary block on my account because of suspicion of fraud and asked that I call them about the matter. Because I am XXXX XXXX I can not use the phone so responded to their letter by USPS mail telling them that I had not used the credit card involved in over 6 months and it indeed was probably a case of fraud. 
I received NO RESPONSE. 
Mid-XX/XX/XXXX I received an exact duplicate of their XXXX letter. 
Later in XXXX I received an invoice from XXXX XXXX MasterCard for {$180.00} with a transaction date of XXXX listed as a description " XXXX XXXX '' XXXX I noted on copy of invoice that it was a fraudulent charge and sent them a copy of my XXXX letter. NO RESPONSE. 
Asked my daughter to contact them by phone to settle the matter and get a replacement card. Received replacement with an expiration date of XX/XX/XXXX. Card no good. 
Daughter called again requesting a corrected card but card never arrived. Daughter called again and was told there was a balance due on card and new card could not be issued. Fraudulent charge had been deducted but interest they charged was still listed as a balance due. Daughter called again and asked to cancel card because of difficulty dealing with them, to which they agreed. 
The next day I received an email from credit card services telling me that my FICO score had been changed from XXXX to XXXX. 
XX/XX/XXXX I wrote to XXXX XXXX, Customer Care Sr. Specialist ( only name I had through all correspondence concerning the matter ) that they request my credit score be reinstated immediately because of their error or I would file suit against XXXX XXXX. It is now 14 days later and I have had NO RESPONSE. 
XXXX XXXX is deliberately jeopardizing my credit rating and I am contacting you for advice and help before I file suit against 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 non-monetary relief
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-15 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I made a {$200.00} dollar payment in XX/XX/XXXX. I forgot my payment in XX/XX/XXXX but have never been late on a payment to XXXX XXXX in the three years Ive had a credit card with them. I made my payment in XX/XX/XXXX on the XXXX. On XX/XX/XXXX XXXX XXXX field my account as delinquent which have decreased my credit score by 45pts over {$38.00} they claim to be past due. This is ridiculous and has hurt my credit standing with my other providers ; thus, potentially putting me into economical hardships while I plan my wedding. On XX/XX/XXXX I paid off the XXXX card {$250.00} dollars I would like my account rectified. This is awful credit investigation on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
Okay so i Signed up for an App called cash app which turned out to be an great app until yesterday XXXX, XXXX were i noticed i could not use the card that was issused to me fron Cash app. As i looked more into detail on what was going on And i found out that they froze my account without letting me know anything i broke no rules or violations i simply used the app to send and receive money but i followed the rule on how to withdraw money and as i did they wouldnt let me take my money out of the cash app so now i have a problem because all of my money is in cash app and i cant get none of it i tried contacting them multiple times and i never got one anwser i really feel like this very unprofessional like for small business and others who tend to just use the app personally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
On XX/XX/XXXX I executed a clause in my lease that states if I get an appraisal and it comes out above the owed value, I can turn it in. This was the case, but the dealership ( Honda ) failed in sending the vehicle return receipt after giving me grief because they didn't understand the clause. 
Several times in XXXX I had to call the dealership and Honda Financial Services after I was charged {$250.00} for my XXXX payment, even though I executed the clause on XX/XX/XXXX, which should have ceased all payments thereafter. I completed the vehicle return receipt again mid-XXXX and the rep at HFS closed out the lease. Later, I was asked to send proof that I turned in the plates. I did that on XXXX/XXXX/19 and faxed the document to ( XXXX ) XXXX. I then called at least 5 times on XX/XX/XXXX and they argued with me, hung up on me, and placed me on hold 2 times and never came back. They refused to transfer me to a manager and stated the dealership needed to pay me the money. HFS and the dealership are under the same umbrella for ownership and they need to remedy their mistake. They also stated the vehicle return receipt was not on file, which it had to of been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15 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: TX

Complaint narrative:
XXXX  XXXX credit card company reported my payment 30 days late they also stated that i did not make a payment in XXXX which is incorrect i submitted my bank statement along with a disrupt letter to the company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
In late XX/XX/XXXX, I asked to have my payment lowered ( {$2000.00} per month ) for an income-based repayment plan. I provided the correct amount of my income and provided the documentation in the correct timeframe. I was then placed on a forbearance dropping my credit score by 20 pts, but not for a single month as I asked. It's until XX/XX/XXXX. I didn't miss a payment and am in no way derelict. I called Nelnet and tried to resolve the matter and all the respondent did was repeat that I was under obligation to fulfill my promissory note. I still don't know what's going on or how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I called and asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. I disputed the charge, the representative initiated a charge dispute against XXXX XXXX. 
The representative agreed to stop payments to XXXX XXXX. 

In XX/XX/XXXX I called and asked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. 
The representative agreed to stop payments to XXXX XXXX   and initiated a second dispute. 

In XX/XX/XXXX I noticed that the CC company was still paying XXXX XXXX. 
I called the CC company and told them to close the account because I have asked multiple times to have them stop paying XXXXXXXX XXXX but they kept letting charges go through ( this was the third time ) A third dispute was initiated. 

I had earned XXXX dollars cash back and ask them for the cash that is owed to me. The last time I asked was today, XX/XX/XXXX I want the cash back that I earned which totals {$500.00} In summary, I was forced to close the account because they kept paying for XXXX XXXX after multiple requests to stop paying XXXXXXXX XXXX. Because I closed the account they don't want to pay the cash rewards but I was forced to close because of mistakes made by XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. The account was closed in a panic because they kept letting payments go through despite agreeing to stop those payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I incurred a series of fraudulent charges in XX/XX/2018. Immediately contacted the merchant as well as the credit card bank, Citibank, on the same day that it happened. Citibank immediately made a series of credits ( disputes ) on behalf of me. However, XXXX, the merchant, also issued credits at the same time. As a result of XXXX XXXX credits, Citibank re-charged the credits. The problem occurs when Citibank 's math is not correct. As a result, I contact Citi 's Security Analysis team and demanded and audit. The audit came back saying that everything they did was correct. In addition they sent me a worksheet stating listing all the fraudulent charges, credits by Citi, credits by XXXX XXXX and reversal ( charge ) of credits by Citi. However, the numbers that Citi do not match what I have on my statement. Specifically, there were 2 credits ( {$76.00} and {$78.00} ) that Citi claims was on my statement were actually non-existent on my statement. I have looked through the statement countless numbers of times and can not find these credits. In addition, there were 1 credit reversal of {$76.00} that Citi claims they charged, but instead in reality, my statement shows {$98.00}. So bottomline is I am asking for a difference of {$170.00} credited back on my account. I have contacted Citi numerous times. Some ended up with the agent not doing anything when they said they will. Some would ask me to wait and they will sort it out. Afterall, I can not reach the person that did my investigation, and talk to me where I can find the specifics that Citi has done. None of the other on the Security team is able to assist me since none of them have access. All they told me to do is wait. I can not believe an international bank like Citibank does things like these and get simple math wrong like these. In fact, they have fake and made up numbers they claim are on my statement which in fact is non-existent. I'm out of options now other than to file a complaint hoping something can be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 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: CA

Complaint narrative:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB, please step up and delete these negative accounts asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on Transunion and XXXX  and not XXXX. On XXXX XXXX it's showing on XXXX  and not Transunion ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my XXXX  report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the  case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that Transunion, XXXX, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, XXXX, and Transunion should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, Transunion and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: NJ

Complaint narrative:
I have ( 1 ) late payment and ( 1 ) deliquent account and my credit score still remains below 600.

Company response to consumer: Closed with explanation