vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: MI

Complaint narrative:
The first loan was started with Movement Mortgage in XXXX, XXXX  in XXXX of XXXX we were told that we made enough money to afford the mortgage and that we qualified for a FHA loan. We work for a XXXX XXXX and are allowed to live else were than in the city of the XXXX  base. We were ask to provide written documents that we receive free XXXX benefits, and letters from HR and immediate supervisors that they were aware of this purchase. And had to write a statement as to where we would sleep if we were not in the house and how much time we would spend in the house we had to provide a work schedule, and we had to write a statement as to why we wanted to move from XXXX  to XXXX which is the city that I grew up in and my family is still living in as well as my XXXX year old mother with XXXX. and the loan officer asked if we could help get his adult son a position with the XXXX. We were denied the loan with Movement after 4 months. the representative for the seller took our loan to XXXXXXXX XXXX were we were asked for the same documents and after 2 months we were denied by XXXX XXXX underwriter that they did not think this was going to be a good loan.The real estate officer took our loan to another lender in XXXX that closed our deal XX/XX/2019. Using the same documents. we have been in our home since XX/XX/2019 and are still working our same jobs and making house payments on time for past 2 months and our home is completely furnished and lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I have been pleading and sending letters to Rushmore to no avail. They just toss me around from their company to their investment company they represent. But the XXXX XXXX or XXXX XXXX tells me that I should be in touch with Rushmore. 
I have paid this company over 80K in the last 3 years that they took over my loan from XXXX, another crook of a company. I have paid every month to the various banks and lenders from the time I bought my house. I owe more today!!!! than I did 15 years ago. This is just preposterous. I am asking them to give me a lower balance or at least deduct the arrears. I am not even sure how these arrears have happened. Banks can not forever act to take people 's belongings. 

I need an answer sooner than later. Rushmore also gets terrible reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
" NEW ISSUE '' I have completed papers in XXXX District Court in XXXX XXXX XXXX and called Barclay and asked how to serve them papers from the courthouse the Barclay representative gave me a PO Box that doesn't reflect their registered agent office so I can't mail them. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in XXXX district court in XXXX for damaging my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live.

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 2019-10-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae sold off my debt, knowing that they have in their policy that US Veterans that are XXXX, at XXXX XXXX, which is how the US Department of Veteran Affairs considers unemployable veterans, lied to debt collectors. This has tarnished my credit score and I have attempted to resolve this matter with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened an online Citibank Accelerate Savings Account on XX/XX/2019. On XX/XX/2019, they sent a letter saying that they did not receive a requested information within 30 days so they have to close the account. With no warning, they locked my account so I could not withdraw my {$65000.00} deposit. In short, they " captured my funds. '' In that letter, they said they will issue a refund of within 10 business days. It is now XX/XX/2019 or more than 2 months after the letter was made and after numerous calls and complaints, they haven't returned my money yet. Each time I called, they would tell me that they would issue the check and send it by mail, which were all lies.

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 2019-10-16 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-10-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all 3 credit bureau 's. I have court documentation showing XXXX XXXX account was not discharged in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.

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 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I changed a flight with XXXX XXXX on XX/XX/2019. I was charged {$150.00} dollars as a change fee, and have a receipt for this. On the same day I was charged {$200.00} by XXXX. There was no receipt, and I could not find any reason for this charge. 

I called XXXX XXXX, and they had no charge under my name, or my ticket confirmation, other than the {$150.00}. The {$200.00} charge was not coming up, and they told me to dispute it with my bank. 

I disputed the claim with my bank PNC and on XX/XX/2019 received a letter saying my claim has been denied. I then called PNC bank to talk to them about my claim, and to request documentation that they relied on in making the decision. No one could point me in the right direction. I spoke to at least 4 people, in several different departments. I was given a number to call, but upon speaking to someone in that department, they told me to go back and talk to the department I was just speaking to! That department then gave me the same number I had originally called! None of their employees could help me whatsoever. This was extremely frustrating, as all I wanted was to request documentation, as the claim denial said I had a right to. Yet there was no easy number to call, no department listed to address my concerns to. 

Eventually I was able to get in touch with a supervisor in their main office. She was able to help me resubmit a claim and to request for more information. However, she still was not able to see why my claim had been denied. 

Several days later I received my the documentation I requested. XXXX XXXX sent information detailing the charges. The Merchant Response wrote " The received dispute for the transaction date XX/XX/2019 of XXXX is invalid. '' However, they also wrote " Reversal is requested as cardholder has been charged twice for two different passengers. '' I was being charged for someone else 's ticket! XXXX even says reversal is requested! How could PNC not take this into consideration? The other ticket was not an individual I know, and obviously must have been some computer glitch. 

I feel that PNC has not looked into this matter thoroughly enough, nor have they made it easily accessible to get information which I have a right to. 

Long Story short : XXXX XXXX incorrectly charged me for someone else 's ticket change. When I disputed it with PNC, they denied my claim. Customer service with both companies was atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper failed to pay my XXXX County taxes for XXXX. I had a tax payment due of {$8400.00} on XX/XX/XXXX. Mr. Cooper attempted to make a payment on XX/XX/XXXX, but, according to the XXXX County Treasury Dept, Mr. Cooper mistakenly deleted the Parcel Identification Number from the cart  and the payment was never made. Mr. Cooper failed to notify me of this missed payment and they failed to notify me that the payment was returned to my escrow account. I only found out when I got a late bill in the mail from XXXX County. I had to notify Mr. Cooper of this issue -- they were unaware and doing nothing to resolve it, despite their responsibility as my mortgage servicer and managing my escrow account. I have spent 3 months and countless hours chasing Mr. Cooper to get this resolved, and have found them to be both negligent and incompetent. Every time I call their Customer Support, I am given different and conflicting information. I have had to push them with weekly calls and chases to look into this problem. When I stop calling, nothing happens. My taxes are now 2.5 months overdue and I still can't get a straight answer. They claim that another payment attempt was made on XX/XX/XXXX, but there is no record of disbursement on my Mr. Cooper account -- the escrow balance simply dropped. Looking online at the XXXX County Treasury office, I can see they have not received payment and are still showing balance as due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IN

Complaint narrative:
Transunion is continuing to report XXXX XXXX XXXX XXXX on my credit file despite receiving numerous FTC reports and being notified by law enforcement. I once again demand that Transunion immediately remove this account from my credit profile.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Step 1 : What is this complaint about? This complaint is about XXXX selling their credit card account to XXXX XXXX and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When XXXX sold the credit account to XXXX  XXXX, either XXXX  XXXX or XXXX closed out the account on my Experian credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my Experian report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? XXXX, XXXX XXXX, XXXX XXXX, Experian. 

Step 5 : Who are the people involved? Myself was effected by XXXX, XXXX XXXX, XXXX XXXX, Experian.

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 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County
State: TX

Complaint narrative:
Collection Center-Wyoming is attempting to collect a Debt on behalf of XXXX XXXX XXXX on two separate balances. The first was opened/posted XX/XX/XXXX for the amount of {$200.00} and the second was opened/posted XX/XX/XXXX in the amount of {$140.00}. I am contesting these charges because I believe these to be fraudulent, between XX/XX/XXXX and XX/XX/XXXX I had not lived or visited Colorado for any amount of time. I have attempted to contact the company in question, but they stated that I would need to pay the debt in full and provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
A collection account appeared on my credit report for a {$100.00} outstanding balance, I never received any type of notice regarding the debt. I called XXXX ( the original creditor ), they stated there is not a balance owed and that the account should be removed. I contacted Sequium Asset Solutions informing them that the creditor said the debt is to be deleted, they refused. So I had a conference call between XXXX ( the original creditor ) and Sequium Asset Solutions where XXXX told them the account was to be removed from the credit report. The representative refused to do so. They said they do not care if XXXX is telling them its an error and needs removed that they will not remove the account. This account needs to be removed quickly, how can they refuse to remove an account when the creditor is telling them to do so?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I had a credit Card with Comenity Bank/XXXX XXXX XXXX  XXXX that went into collections. I paid over 600 dollars on this account but New York and company and comenity bank keeps reporting the account as a charge off every month and dropping my credit score. The account was paid in full. The original Credit Limit was XXXX and the highest balance reported was XXXX but I paid more than that. Comenity Bank has carelessly handled this account by reporting inaccurate information all the time. Every time I dispute with the consumer reporting agencies they bring it right back to the inaccurate status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Kia Finance was sent a letter notifying them that XXXX would be paying off the balance of the loan. Kia Finance sent me an email notifying me that I did not need to make further payments on the account. I called Kia Finance to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid Kia Finance and Kia Finance has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against Kia Finance.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A derogatory mark from XX/XX/XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/XXXX I discovered said negative credit item from XXXX. XXXX XXXX with the account number XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/XXXX on XXXX but an open date of XX/XX/XXXX on TransUnion which is re-aging of the original account.

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 2019-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Filled a dispute earlier this year about an old account that was due to fall off my report, it wasnt removed, the account was closed in XXXX of XXXX, its now XXXX of XXXX the 7 year mark has passed, filled the dispute with Experian again and was not removed instead say on record till XX/XX/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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA

Complaint narrative:
AmeriNational is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Step 1 : What is this complaint about? This complaint is about Wal-Mart selling their credit card account to capital 1 and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When Walmart sold the credit account to Capital One, either Capital One or Wal-Mart closed out the account on my XXXX  credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my XXXX report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? Wal-Mart, Capital One, XXXX XXXX, XXXX. 

Step 5 : Who are the people involved? Myself was effected by Wal-Mart, Capital One, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation