vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
XX/XX/2022 : I received a call from XXXX XXXX at Amerisave who asked me if I was looking to refinance my home. I advised him that I was and he proceeded to converse with me about what the estimate might be. At that time I was in a hurry to get to a work meeting call and he quickly rushed me through the process of receiving my official loan estimate for review. It didn't occur to me as I didn't read through the entire language of the terms, but I had to pay XXXX dollars to start the process of receiving an estimate. Once I saw the estimate, I believe at that point I was interested. However, by the next day I decided it wasn't a great deal and began the process of canceling my application and since I hadn't e-signed the loan docs or the page that expressed that I the application fee is non-refundable then I figured I would be returned that application fee. It was at the point of carefully reviewing the application that I noticed the fee was non-refundable and I decided not to sign. 
I wanted to get an official estimate and lock rate to know what my options are. Every other company I dealt with was able to give me that without a fee accept Amerisave. 

XX/XX/XXXX : Sent email to XXXX to cancel my application XX/XX/XXXX : Followed up with another cancel email as I had not heard back XX/XX/XXXX : Followed up on my cancellation emails to see if my application was canceled and money refunded XX/XX/XXXX : Received email from XXXX informing me that the cancellation was processed but without a refund. 

XX/XX/XXXX : Sent email to XXXX letting him know that I would still like the refund and that I will need to proceed with complaints if not refunded. 

XX/XX/XXXX : He again sent an email letting me know that I agreed to the application fee and there will be no refund. 

XX/XX/XXXX @ XXXX mst : Called customer support was told management would call back XX/XX/XXXX @ XXXX mst : XXXX calls , says Im not able to get my refund. Asks why im calling customer service. 

XX/XX/XXXX @ XXXX : I called customer service. explained above and she said she'd get back to me after computer reboots. 

I have not received that call back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to SANTANDER CONSUMER USA. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX  who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As of XX/XX/XXXX my Chase checking account was closed and removed from my online profile. From some information I was able to get from a customer service rep I was told the process started on XX/XX/2021. I only learned about the closure from logging into my account and seeing it had vanished from the list of accounts. Since then Chase has been no help whatsoever about reasoning of the closure or any info, other than they have the right to do it and no new accounts will be allowed. 

Two other items to note - 1 ) I used this checking account strictly to receive ACH transfers from XXXX for items I sell. My main checking/savings is through a local credit union. Once the funds were deposited into my Chase account I would transfer them to my main accounts. I did this because my local credit union was not listed on the XXXX XXXX verification system and repeatedly had issues getting them to deposit. Once I opened the Chase account and was able to use the XXXX system I had no issues for over a year. 

2 ) I also had two lines of credit ( totaling around $ 30K ) with Chase which have both been closed now. The answer that I got from the credit side of Chase was that it had nothing to do with the way I managed the credit cards, the decision to close was based on a decision from the retail side but all my business with Chase will be closed. Since the only item I have on the retail side was the checking account I can only assume this checking account is what they're referring to. 

Since the closures of my credit accounts and now checking accounts I have reached out to Chase multiple times trying to get info and see about the possibility of a review etc. which has been met with closed ears. Only being told that they can not disclose the reasoning and that Chase has the right to close any account at any time as they see fit. 

From what I have read from other consumers through various online platforms this has happened to countless people and the same result, no info or explanation provided by Chase. It seems a decision is made by an algorithm or automated process if it doesn't like your banking practices or thinks something nefarious is happening. My own deduction is that something was triggered because of the way I used the account to receive my XXXX ACH transfers and then transferred to my local credit union account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I repeatedly ask for monthly statements for XXXX months thru a Letter attached to the payment, I NEVER got a reply at least as a courteousy to a customer. 

My regular monthly payment is {$720.00} plus i added {$470.00} applied to Principal for a total of {$1200.00} monthly. 
Thats why i need monthly statements to track the Principal balance. 
Please help to make Valley Bank comply on my request Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I paid off my boat loan on XX/XX/2022. Since then I have been trying to contact Santander Consumer USA to get the title but since my account is paid off, it is no longer active. When I try to call Santander, without a valid account number ( mine is apparently deactivated ) the phone system does not allow you to continue. I have used their web portal to send at least 4 emails over the past 4 weeks and none have been answered. I tried calling a local office ( XXXX XXXX  - recording says office now closed ) and their headquarters in XXXX  ( published number only allows you to enter your extension to gather voicemail messages- sounds like this is for employees only ). I have searched the web and tried every number I can find- it seems there is no way to reach this company. 

I need to sell my boat but every month that Santander does not send me my title it costs me another {$300.00} in storage fees. What kind of a company has no way for its customers ( immediate past customers anyway ) to contact them, and actively ignores emails? 

My next stop may have to be my attorney if I can not get this resolved. Thank you. 

P.S. attached screenshot shows my account paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$280.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 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: TX

Complaint narrative:
On XX/XX/22, I XXXX XXXX attempted to dispute an inaccurate account on my Experian Credit File- The account in question XXXX list wrongful payment balances, amounts & other harmful inaccurate information that drastically affect my ability to acquire credit. I have saught resolution in several instances from Experian, however the account and its more than visible inaccuracies remain on my credit file. Dispite multiple calls to Experian and conversations with supervisors nothing has been done. Per section 501 FCRA I am entitled to written proof as to why this inaccurate account hasnt been removed. If account isnt updated correctly I will litigate 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 2022-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
Affirm emailed me an advertisement on XX/XX/XXXX for a savings account with a 1 % APY. At the bottom of the email in small text, a disclaimer read " This APY is effective as of XX/XX/XXXX and may change at any time before or after account opening. '' I have been looking for an attractive XXXX so I was interested when I read this email today, XX/XX/XXXX. I searched online and looked at the Affirm app in my phone for more information about their savings accounts. On their site and in their app I saw that they advertise an APY of only .65 %. When I called their customer service line and tried to clarify what their APY is and why I was misled, they told me that to get my accurate APY I would need to open the account. I insisted that no, they're advertising a rate and that's the rate the account is set at, so why are they sending emails with misleading rates that haven't been offered for years? I was escalated to a supervisor who admitted that to her knowledge, they do not offer any savings account with 1 % APY and said she'd file an internal complaint. I told them that they now have notice that they're violating consumers ' rights and that I would file complaints against them with their regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX accounts reporting WRONGFULLY only on EXPERIAN. I sent since XX/XX/XXXX letter every XXXX day asking them to VERIFY and VALIDATE the information and ask for ORIGINAL agreement or informaiton about the ORIGINAL account but I'm ignored since XX/XX/2021.

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 2022-02-03 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive Perkins Loans funds on my behalf by forging my information. I have never taken out a Federal Perkins Loan or signed off on a Promissory Note to provide monies to XXXX University. 

UAS : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the Federal Perkins loan was placed with UAS on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the Perkins Loan to XXXX University, the current XXXX Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the Perkins Loan was signed and became effective XX/XX/XXXX. In addition I would like to point out that the XXXX does not include my signature. Please see attached. 

Attached is also the Financial Aid Award Year Summary, that I received from the Financial Advisor, XXXX XXXX on XX/XX/XXXX. The summary clearly states, Federal Perkins Loan {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a Perkins Loan that I did not request, need or sign. This information is being provided to the XXXX XXXX XXXX XXXXXXXX. 

I am requesting that UAS and XXXX University remove all of the late payment of 120 and 180 days from my credit report with the Credit Bureaus immediately. 

I am also requesting that UAS and XXXX University have XXXX remove any and all collections from my credit report and remove reported Federal Perkins loans from the US Department of Education. IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
COMPANY HAS NOT REMOVED OUTDATED INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: OH

Complaint narrative:
I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: OH

Complaint narrative:
I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off

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 2022-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-02-03 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: Lending Club Corp
State: TX

Complaint narrative:
XXXX5 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 160XXXX ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I wrote a check ( check number XXXX ) for XXXX payable to XXXX XXXX XXXX for which my Chase account had sufficient funds. Six days later, I received a notification via my online banking account that the check had been returned, without any reason given. 

In speaking with Chase customer service and fraud departments, I was given the impression that my check was help for fraud reasons and that I needed to contact them to verify. However, I received no notification of this need ( no email, text, or mobile banking alert ). 

The check ultimately went through, though as is customary I was charged {$25.00} for it initially being returned. Despite my account having the funds necessary and no effort being made to contact me to verify the legitimacy of the check, Chase is refusing to reimburse the return fee charged by the other business. 

I have spent roughly 6 hours speaking with Chase trying to resolve the issue and determine how I was supposed to know of the need to verify the check, but have been given no answers. I'm simply told " there was an alert on your account on XX/XX/XXXX, '' even though the only communication was on XX/XX/XXXX via the message saying it was returned. 

This process - denying a check for which there were sufficient funds, not attempting to contact me prior, and then not reimbursing me for the return charge associated with the check- seems highly unethical.

Company response to consumer: Closed with explanation