vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XXXX XXXX I went to XXXX XXXX community to put a deposit on a townhouse that is being built and to be completed by XXXX or XX/XX/2019. 
XXXX XXXX Went back to XXXX XXXX to meet XXXX the loan officer from Loan Depot to get pre qualified. I am already pre qualified with my own lender, how ever part of the process to buy a home with XXXX XXXX is to get pre approved by their preferred lender Loan Depot. I filled out the loan info with XXXX. Was told it's good to go. Got a disclosure packet and was told by XXXX that she would send us a link to upload financial documents so we can get our pre qualified letter to the builder to sign docs and get into contract. 
XXXX XXXX After many reminders to XXXX she sent over the link to upload documents and also sent a loan quote. She also sent of a list of debt to be paid down to 30 % ( my debt is 25 % usage which is under 30 % ) XXXX XXXX, I had a family friend become a co borrower to help get the loan. All docs were sent in XXXX XXXX Back and forth emails and text trying to get answers as to if I am pre qualified, finally on XXXX XXXX I get a call from XXXX saying that everything looks good she is going to send the pre qualified letter to XXXX XXXX builder. It took 5 days for XXXX to say we are pre qualified. 
XXXX I go to XXXX XXXX to see the homes one more time and to talk to the office staff. The staff told me they talked to XXXX and they are waiting for the pre qualify letter to start the process to get into contract. I was given a welcome folder and congratulations letter. Later that evening XXXX called and said we don't qualify. We are 4 % over ratio. 
XXXX XXXX I emailed and text XXXX several times asking what the numbers were and what is the 4 % off so I can fix it. No answers XXXX I called XXXX XXXX office staff and told them I can't get any answers from XXXX , they reached out to her she then emailed me a drastic change in numbers, that I have to pay off my debt to XXXX balance, that our co borrower also has to pay hers off to XXXX balance and quoted us the highest interest rate of XXXX and highest PMI of {$870.00}. Things went from paying down credit to 30 % to paying down to zero balance ( side not my XXXX report says I am at 25 % usage which is under 30 % ) and to the highest rate and numbers on the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: WA

Complaint narrative:
In XXXX on 2018 I contacted Experian for fraudulent activity on my account. During the call I followed their recommendation to freeze my credit and reports. They indicated the systems would auto-generate a 'pin ' and it would be postal mailed to me. 

I never received the postal mail. 18 months later, after numerous calls I am not able to request the pin online, or phone call, or email.Instead the ask me to postal mail my social security card, drivers license and utility bill to have them issue me a new pin. A process that will take an unreasonable time ( over 30 days ). 

I have answered all my historical questions for numerous operators and substantiated my identity verbally back some 15 years but the refuse to accept these to issue a new pin. My complaint is they are lacking on any accountability and responsiveness to a consumer and a client complaint. They do not have anyone other than their help desk, no manager or executive is willing to talk to an escalation. Experian acts as though they are unaccountable for the consumer/client to any complaint.

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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VA

Complaint narrative:
On my credit report, the collection agency has reported twice for the same original creditor which is XXXX XXXX XXXX XXXX but for two separate amounts. One for {$580.00} and another for {$1500.00}. I do believe this creditor is trying to get additional monies because one is {$1000.00} more with the exact amount in the hundreds. I also have not received anything from them stating this debt. Just something on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
The Credit bureaus are reporting erroneous information on my credit file

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 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
This debt collection firm is looking for a person who is not at this number, to whom I am not related nor acquainted, and has not been in the 15 years that I've had it. This has happened repeatedly, and they are again making daily calls looking for this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Beware of a BEST BUY CREDIT CARD!!!!!!! The problem I have is they will not send me any letters about the debt. They say they can not give me a letter stating that I am willing to go on a payment plan with them. They stated they will send me a letter giving me the amount that is due, but nothing else. I have called and asked for the letter twice and have not received any information within the time it was suppose to come ( 10 business days ). I have called several times requesting to speak to a supervisor and is advised the same thing. It is currently being negatively reported on my credit.

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 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. XXXX cell number. 
My complaint is agains Shellpoint Mortgage, XXXX New Rez. 
NewRez LLC XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Main Office NMLS ID # XXXX Loan # XXXX This company bought my loan XX/XX/2019 was my first payment to them. The original loan was for {$140000.00} and the appraised value was {$150000.00}. 
Attached are the loan payments. On XX/XX/2019 I paid a lump sum of {$21000.00} to lower the principle to under 78 % of value. I have attached files. 
I called to make sure my PMI was canceled, They made me do a written request which I did. I got a letter saying an appraiser would be contacting me in 7-10 business days. Well that didn't happen. After numerous phone calling and all kind of issues trying to talk to a person. I got a call in XX/XX/XXXX, from XXXX XXXX, a Broker from XXXX, not even in my market, did a " Broker Price Opinion '' yes, he is not an appraiser! Attached is his report. 
His lack of knowledge of the area, he used 3 properties in the city limits. I live in an exclusive neighborhood. The home to the left of me sold for {$170000.00} in XXXX and the home to the right of me sold for over {$300000.00} this month. 
They will not contact me back, I have left messages with XXXX XXXX, the Supervisor because my direct contact XXXX XXXX phone is now not working. XXXX. 

Pay the Mortgage Down to 78 % of the Purchase Price Because of the Homeowners Protection Act, PMI now has a default setting This is a level at which it a lender must cancel it automatically. The mortgage servicer is required to drop your PMI coverage when the outstanding balance of your mortgage drops to 78 % of the original value of your home. 

If the original purchase price on the house was {$200000.00}, your lender must cancel PMI when your outstanding loan amount drops to {$150000.00}. This is 78 % of {$200000.00}. 

This should happen even if you do nothing in an attempt to remove the PMI. You must, however, be current on your mortgage at the time this happens. Otherwise the lender is not required to remove the coverage. 
Please help, thanks, XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: DE

Complaint narrative:
On XX/XX/2019 I received an offer from Citi Bank credit Card offer to redeem XXXX point (as of XX/XX/2019).  Among the available option there were listed the following: gist cards, donate with points, shop with points, travel rewards.  When I pressed "gift cards"  I was transferred to different gift cards menu sorted out in alphabetical order.  When I chose XXXX retail store under letter XXXX I got a message that there were problems with the web site and should visit the site later.  When I visited the place many times since I always got the same message about problems.  When I called customer service on 08/15/2019 I was told that I am not eligible for gift cards which was now what the offer mailed to me said.

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 2019-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX ( under XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX orchestrated a fraudulent mortgage assignment on my property XXXX XXXX XXXX, XXXX, PA XXXX. This assignment was recorded on XX/XX/XXXX, the XXXX XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX both " Pooling and Servicing Agreements '' would have expired. There is a cut-date for ALL securitized trust. 

As a result, all entities violated Pennsylvania Law for Mortgage Assignments, TILA, RESPA, FDCPA, and leaving the consumer with a clouded title due to the numerous deceptive assignments.

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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Ability recovery services is listed on my credit as the collector for XXXX XXXX, I never attended XXXX XXXX. I filed a dispute 4 times over the past 3 years about XXXX XXXX and/or Ability Service Recovery Service and have told them that I never attended the school, I never physically signed an agreement with the school. They have ignored my attempts to get the negative remark removed from my credit. Ability Recovery Services is listed on my credit as {$1700.00} and again as {$1700.00}. 
The amount listed as {$1700.00} was opened on XX/XX/2019 The amount listed as {$1700.00} was opened on XX/XX/2019 I have never attended XXXX XXXX or ever called for information let alone signed an agreement to attend their institution.

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 2019-08-16 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: Westlake Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I made an electronic phone payment of {$280.00}. I also asked what the process would like to close my account now that I have a XXXX  balance. The representative explained the process. She asked if I wanted to close the account I said no not at this time. Two weeks later I received a letter in the mail that my account has been closed. I called Captial One and was told that I closed my account on XX/XX/XXXX. The phone rep. that I spoke to kept repeating himself saying that since the account has already been closed. I would not be able to have it reopened. I asked to speak the reps supervisor after the rep was of no help. I explained to the supervisor what occurred. He said that all phone conversations are recorded so they would be able to check back to the recorded to see if it was their error. I spoke to supervisor XXXX employee ID number XXXX. He said I could check back within 7-10 business days for an update. This was a relief because I understood that after review I would be able to have my account reopened since I clearly said to the rep that I did not want to close my account at this time. 

I follow-up with Captial One two weeks later. The capital one rep did not connect me with the same supervisor. I was connected with XXXX employee ID number XXXX. She said that because my card was a secured card it would not be reopened even though it was their error. I explained that their error is now negatively impacting my credit score. I am looking to apply for a mortgage in the next 3 months and this capital one account was my oldest line of credit. 

Captial one admitted that this was an error of their and was unwilling to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a small business ATM debit card through Bank of America and for the last year I've had transactions from XXXX XXXX XXXX XXXX XXXX taking out money every month I requested the bank to stop these transactions cuz they were fraudulent after 1 month returns came back and they kept taking the money after 3-4 months they couldn't be stopped they changed my card then they put a stop payment on it they told me I had to close the account was the only way to fix it I asked for my money back they gave me some money back and then they took the money back again and said there was a time frame problem finally after the account was closed a month later I started receiving overdraft fees for this account because they're still letting these companies take the money out on a closed account and now they want me to pay overdraft fees and collection I did everything they told me about making this stop and they could not make it stop they told me that Visa has an agreement with them that allows these purchases go through

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MA

Complaint narrative:
Lexington Law is currently being sued by the CFPB. Our company regularly receives bulk faxes from Lexington Law impersonating consumers and spoofing their number to look like the fax is coming from a consumer and not their company. These faxes come from the same 3 numbers ( XXXX, XXXX, XXXX ) for all consumers and pretend to be dispute letters from the consumer ( including fake signatures ). These faxes are disputing legitimate debts ( violation of the laws governing credit repair companies ) and are coming from area codes no where near where the consumers reside. Additionally they will come o

ne after the other with the address line showing the same number each time but with a different persons name on it. One would have though that with the CFPB currently suing them they would have already stopped this practice, yet it continues every day. Attached are the faxes we received just yesterday from this company. as you will see all faxes are of 1 or 2 formats. They all come from 3 n
umbers. Each number is spoofed to look like the fax came from the consumer. In most instances when we receive these faxes we will contact the consumer to speak about the dispute letter received and in over 90 % of the time the consumer is both unaware of the letter sent in their name and admit that they are in no way disputing that tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
The Credit bureaus are reporting erroneous information on my credit file

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 2019-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit bureaus are reporting erroneous information on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My mother has a property that she wanted to transfer to me ( her daughter). The house is mortgaged through BECU. BECU referred us to contact "Assumption Department" for this process or loan transfer. The process started in XX/XX/XXXX and we were told it would take 60-90 days. We paid the required fee of XXXX. In XX/XX/XXXX, a year later after the process started we were told the loan is denied because I do not have sufficient income. The bank is in the position to accept and deny whomever they choose based on the "bogus" calculation of debt to income ratio that they have refused to disclose in writing. If there is nothing to hide, there is no reason why they wouldn't want to disclose this information to us. My hourly rate is over $XXXX/hr and I can work flexible hours.  I am not self-employed and does not work for multiple companies; therefore studying my income should not have taken a year. Therefore, their rationale does not make any sense. Moreover, I have even received a name of a title company giving me the impression that they are more likely will accept my application.  

What is even more frustrating is that a process that should have taken 60-90 days turned into longer than six month period. I have mailed materials that they have requested to them at least three times; I have emailed their team over a dozen time and even went to BECU to get updated on this loan. If you call their department, your chance of speaking to someone is slim to none. This is supposed to be a bank that is FOR the community. I expect this kind of behavior from a private sector not from a "credit union"

Lastly, I am not new to home loan applications. I have been through a home loan application process more than once with different banks. By far this has been the worst experience. 

I don't expect anything from this bank. I just want others to be aware of how they process information and to stay AWAY from BECU LOAN or "Assumption Department"  Because (a) the 60-90 day is misleading (b) they will ask you for million pages of documents just to deny your application a year later. Keep your peace and do your business somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Equifax and XXXX have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief