vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I contacted the mortgage company MrCooper about removing PMI from my mortgage since we around 50 % equity in the home already. They said the only way to get rid of it is to refinance since the loan originated before XX/XX/2013. Then of course I asked about refinancing and they can not give me an interest rate without pulling my credit report with lowers the credit score because of a inquiry. I do not feel this is fair to pay an extra XXXX dollars a month when I have so much equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
On XX/XX/XXXX, Bayview Loan Servicing bought my mortgage loan from XXXX XXXX and within the first week I started receiving Default notices. Bayview claimed I was behind on the loan when XXXX XXXX sold the loan to them. I spent hours on the phone with Customer Service, went back to XXXX XXXX to be told I was whole with XXXX XXXX, and I spoke to Bayview Customer Service and they still insisted I owed money to XXXX XXXX. 
I finally consulted an attorney and under the threat of legal action, I received a letter from Bayview that I did not owe any payments or any fees. They also stated my credit report was not affected. I believe this was in XXXX or XX/XX/XXXX. 

Then in XXXX it started again. I continuously paid my exact payment and did not pay any fees they were charging me. When I called they insisted I owed money and held payments I made in suspense, during this process. Now they are processing my payments but are still charging me fees, and fees on the fees. Enough is enough. I sent them a letter this week and I want to make an official complaint. Hopefully you can help us and clear up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
I have filed a complaint in the past regarding XXXX XXXX utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because XXXX XXXX would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to Rushmore Loan Management Services effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with Rushmore Loan management XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 
Between XXXX XXXX and Rushmore Loan Management, I have incurred more XXXX issues and feel this is XXXX XXXX retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of XXXX XXXX and now Rushmore Loan Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
On XX/XX/2019, the company Select Management Resources attempted to contact me at my place of employment. The representative who called was advised that my work was not a an option to contact me as it is a place of business and to not contact again. The represent XXXX XXXX, a title loan company in XXXX, Ohio. XXXX XXXX was already informed prior to this communication that I had an attorney retain for Chapter XXXX bankruptcy. Select management has continued to contact my work phone number daily and has been told each time to stop calling that number and yet they continue to contact. The phone number that comes up on the caller id do not work to call back. So, they are contacting me after they were told to stop by my employer and after they were provided with valid attorney information regarding bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: ND

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
Diversified Adjustment Service, Inc sent electronic notification of a debt that I sent a debt validation request requesting information on the alleged debt including a request of the original contract with my signature. I also informed them to cease and desist contacting my numbers. They have continued to contact me via email and by phone calls. I have again requested the representative to cease and desist contacting me and she hung up on me without verifying the cease and desist would be confirmed. Additionally they have failed to send 100 % verifiable and 100 % accurate information of any contracts with my signatures on it to confirm that the debt is valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: ND

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I would like to update complaint # XXXX submitted on XX/XX/19 : I received a call ( XX/XX/XXXX ) from Capital One the day after the complaint was filed. I was assured that my refund from my secured card would be processed and the check would be cut and sent to me by Saturday ( XX/XX/XXXX ). I received a call on Friday from a representative in what they called the Executive offices on Friday, I tried to call several times and when I dialed her extension, it was always a busy signal. I finally called and requested any Executive representative to help me, I spoke to XXXX who I let him know I was trying to get to a certain representative. He looked into my account and said that they have not cut the credit check to me because they needed to confirm my address and to ask if I would like the check cut! I again said YES, please send me the credit check on my account that has been closed for over a month. He now assures me that I will receive the check in 7-10 days. Lots of apologizing and no reason given for keeping my {$420.00} for so long. 
How can a company hold hostage money that is due to a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
Never had XXXX in my life! ; )

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 2019-04-09 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: NY

Complaint narrative:
This fraudulent account was removed from my Experian account last year in XX/XX/2018and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from 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 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent an investigation request to Trans Union on XX/XX/XXXX. More than 30 days have passed, and they have not responded yet.

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 2019-04-09 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX for {$1900.00} which turned out to be a XXXX collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.

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 2019-04-09 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: ERC
State: NY

Complaint narrative:
This fraudulent account was removed from my XXXX account last year in 2018 and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a savings account through chase.com back in XXXX. When opened online after clicking on promotion its immediately says as you begin application coupon automatically applied ... so in XXXX I wondered why I still had not received my {$150.00} promotion even after completing All task ... I contacted chase on XX/XX/XXXX they immediately said there was no coupon applied to my account upon opening ... I then went back to chase. Com and preceded as I was going to open new account same message coupon automatically applied. So I told rep this is a error on Chases side they opened a investigation I would hear something by the XX/XX/XXXX I didnt so I contacted them on the XX/XX/XXXXthey said I would hear something by the end of the day in which I didnt so again I reached out on the XX/XX/XXXX and they are still giving me run around saying the investigation is still in progress. So basically I opened a savings a count with chase with a balance of XXXX and they have held my money since XXXX and I have made XXXX in interest and now they are trying to XXXX me out of my {$150.00} after I did everything on my part I could have easily put my XXXX somewhere else and be growing interest at more then XXXX in 4 months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The information from complaint XXXX has never been corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I'm deposit check from my insurance work compensation, with the money them own me total is XXXX when I do deposit, citizen bank tell me my fund is available on XX/XX/XXXX and also the give me receipt with the transaction and the said fund available XX/XX/XXXX, when check online bank, the bank extend day on holding check to XX/XX/XXXX, I was scheduled some payment from debt to clear on XX/XX/XXXX. Now the bank want charge me overdraft fees {$35.00} each on the overdraft amt XXXX.i think this is very unfair, why I have to paid for this is citizens bank mistake day on available fund. I also I'm call supervisor from citizen he talk me he cant help and I have to paid for my fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a charged off account ending in XXXX in XX/XX/XXXX. I went to the XXXX Tx branch in XX/XX/XXXX to open a minor account but was told I could not until {$300.00} was paid from my charged off account. I made the payment and opened my new account. On XX/XX/XXXX I went into the The XXXX branch to open another minor account which the representative XXXX  told me that I owed XXXX. He then did further investigation and stated there was an alert that the balance was paid in full but there wasn't any notes. After consulting with his assistant branch manager they opened one checking and three minor accounts. I made a deposit of {$320.00} in account ending XXXX. Later that day {$300.00} was taken from my account. I went to the branch XX/XX/XXXX and the branch called the back office where we spoke with XX/XX/XXXX, which was very rude and continue to talk over me. XX/XX/XXXX stated it was a error on my end and there wasn't anything she could do. I asked for a supervisor XX/XX/XXXXstated the supervisor wasn't available and they was going to tell me the same thing she told me. I did not authorized this transaction nor was I advised it was being taken. I haven't gotten anywhere with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union XXXX XXXX and XXXX XXXX cancelled my settlement, which was to occur on XX/XX/2018, on XX/XX/2018. This was because of an allegation that I was unable to satisy a statement of deposit of funds in my XXXX Account. We worked together for 2 hours with XXXX and Ms. XXXX joint on phone trying to get something acceptable to their underwriters but the settlement was cancelled arbitrarily at XXXX shortly after the documentation was given saying was inadequate time for the underwriters to clear it. ( their work hours was until XXXX according to Ms. XXXX. 

I was sent the " temporary '' closing disclosures at XXXX on XX/XX/2018 and esigned it immediately. My wife was not sent the document so we assumed it wasn't needed. The new settlement date was set XXXX. 

on XX/XX/2018 we were sent a " Mortgage Production '' message at XXXX, I signed in at XXXX, my wife was sent a letter to call XXXX XXXX to ok the closing disclosure. My wife called and XXXX returned the call at XXXX. XXXX was asked if she had seen the statement " Closing Disclosure '' and did she agree with it or have any questions and my wife answered no. Three business days from this notification on XX/XX/2018 would be the XXXX of XXXX. Settlement was allowed to occur on the XXXX of XXXX. This was a violation of the Truth-in ' -Lending Act. 

My observation is the following : When the documentation was " almost late '' a decision was made to cancel the real estate transaction because the law required a 3 day notice. This caused us much stress and change of plans and money as we had to cancel several appointment which we had applied a deposit. This XX/XX/18 settlement date had been in place for over a month. 

When NFCU employees make a mistake of not including my wife in the sign off of the closing disclosure and its consumer protections, it was ok to break the law and let the settlement stand so that they would not be embarrassed. 

Don't believe the law was intended to be one way, to discriminate against buyers whenever something occurs but " bend '' the rules when it works the other way. 

Thank you for listening to my complaint. I desire no monetary damages from NFCU but would expect a letter of apololgy and a violation of the Truth in Lending Act. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
There is an account on my credit that is only reporting with TransUnion - XXXX XXXX # XXXX showing included in a bankruptcy. I have never filed bankruptcy. These bankruptcy comments are preventing me from closing on my home this month, XX/XX/XXXX. I have contacted Transunion but all they can do is place my account in dispute and I can not get an update from them. I have also asked in the past that this be resolved in XX/XX/XXXX but nothing was ever completed.

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