vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Upon my first interaction with the Amerisave Mortgage Corporation, I was in contact with a person named XXXX XXXX - Loan Originator NMLS ID # XXXX. He explicitly explained the loan process to me upon our first conversation. Unfortunately, he left out a few key details that ultimately left my experience to crumble into a disaster. 

XXXX failed to explain the application process. As a loan officer, all information should be readily available to the consumer. I applied for a mortgage refinance, and XXXX ran my credit to check if I would get approved. After running my credit, he gave me the good news that I was approved and that he needed {$500.00} immediately to start the application. I was told the {$500.00} was to apply. I went a long and handed over my credit card number. He then informed me later that an appraisal would come out to my property and to take pictures. I got my appraisal report and XXXX informed me that he can no longer accept me because suddenly my income to debt ratio was too high. He never informed of this before hand and this was a sudden shock to me because I was told that I was approved for the loan. I want to know why this company ( Amerisave ) would allow such a protocol to deny the customer after they've received the money. On the contract the appraisal was {$470.00}. I paid {$500.00} to the company. I want to know where the {$25.00} difference went to and If I should be compensated?

This is a standard scam to rip off customers who are trying to pay less interest on their mortgage. The loan officer hanged up on me and failed to follow up after I displayed my concerns about this to him. He would not hear another word from me after I asked him why he betrayed my trust into him?

This person and company needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I noticed that on my credit reports, an account appeared, from National Credit Adjusters. To this day I have not received anything from them in writing, but they are reporting every moth that I am late on a payment. Once I saw them on my credit, I sent them a certified letter asking them to provide information about the account, such as signatures by me, collection activity, and account information. This particular account has been sold or referred to collection twice, which I outline in the certified letter. The letter was sent on XX/XX/2020 and delivered to NCA on XX/XX/2020. There has been no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: WV

Complaint narrative:
Fidelity National Collections repeatedly calls asking for {$120.00}? for a XXXX XXXX XXXX Doctors office visit that was cancelled ( By the XXXX office  ). So there was no visit missed. The XXXX office erroneously billed for this visit and I refused to pay for a visit that was cancelled by them. Now this collection co keeps calling. I have asked them to stop calling. They keep calling. Thanks for any help you can give. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/2020, my brother wired two wire transfers from a bank in XXXX to my HSBC bank in the United States. The first was for $ XXXX which I received in my HSBC XXXX XXXX in the same day, while the second transfer for {$120000.00} has not been deposited in my account as of yet ( XX/XX/2020 ). 
After days of communication with my account representative and customer service at HSBC, they notified me on XX/XX/XXXX that the wired funds are in HSBC escrow account pending calcification from XXXX XXXX  which I have no account nor any contents. I was provided a case # US XXXX. I called XXXX XXXX wire transfer department they noted that this case # is not theirs and referred me back to HSBC.

It has been almost two weeks and I out of {$120000.00} and neither XXXX XXXX are of any assistance. We contacted the XXXX  XXXX  and they confirmed that the money is out of XXXX and at this point they have not control. 
I appreciate any assistance that you can help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: MD

Complaint narrative:
I entered into a repayment agreement with Franklin Credit Management Corp about XX/XX/XXXX. Which I agreed to send the company a lump sum payment of {$8000.00} to be received by mid XXXX XXXX, to bring my delinquency current. After receipt of this lump sum payment, I was to resume regular monthly payments of {$270.00}. To honor this agreement I acquired a personal loan for the amount of the lump sum payment ( resulting in a monthly payment of {$230.00} ) and forwarded the payment to the mortgage company. Unfortunately, my lumpsum payment reached Franklin XXXX day past the payment deadline. Because the payment arrived XXXX day late, another {$4000.00} in fees was added to the original {$8000.00} requirement. The company accepted the {$8000.00}. And I agreed to a new monthly payment amount of {$540.00} for the following XXXX months to satisfy the {$4000.00} in new fees, and to bring my delinquency current. Unfortunately, COVID happened, which left me unable to maintain the $ XXXX  monthly payment. I explained the circumstance to the mortgage company, but they are unwilling to help find a resolution. As a result, an initial second mortgage monthly payment debt of {$270.00}. Resulted in a new payment of {$770.00} XXXX {$540.00} payment to Franklin plus {$230.00} payment for the personal loan ). Which leaves me in a worse financial position than i began. I was forced into making an irrational financial decision in a desperate attempt to save my home. I need help. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-11-06 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: FL

Complaint narrative:
I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: FL

Complaint narrative:
I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2020 I balanced my check book with my bank statement at Regions Bank. I subtracted multiple automatic drafts from the balance all due to be withdrawn on the first of the month. I then paid several bills and had a {$97.00} balance. On the XXXX of the month an unexpected draft was pulled as the annual renewal for my web page. It was {$96.00} and I was naturally concerned but according to transaction register had {$1.00} remaining. However, I checked my mobile account and noted a {$14.00} negative balance. I called the Regions national number and spoke with an associate named XXXX asking if NSF OD fee could be avoided by deposit to cover that amount since my payroll check would be in XX/XX/2020. She assured me there would be no overdraft fee. However, XX/XX/2020 I found a {$36.00} nonsufficient funds charge. I pulled up account activity report and it appeared that the {$14.00} overdraft resulted from the overdraft fee itself. I called the main number for Regions national and waited 32 minutes without speaking to anyone. I then called local bank and spoke with an associate and the manager, who said that the report just " looked funny '' and that they wished it looked different but the overdraft fee would stand. I then rebalanced the XXXX statement and rechecked my XXXX math twice and could find no reason for the overdraft. I then called the national Regions number again and was advised that the overdraft was charged because of " pending '' drafts on my account and that Regions was not at fault in any way but that XXXX ( an XX/XX/2020 charge ) and XXXX ( routine monthly transactions coming sometime at the first of each month were at fault because they had not " finalized '' these pending transactions. It appears to me that Regions may be " batching '' charges in such a way as to precipitate an apparent overdraft situation.

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 2020-11-06 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: GA

Complaint narrative:
I have contacted Transunion on several occasions regarding two accounts still reporting on my credit report. These accounts are being reported by Transunion only. Transunion has provided me no verification or evidence to support the validity of these accounts and has ignored my request to have them deleted from my credit file. 

My most recent and " Final '' letter was sent on XX/XX/2020, and I have not received a response or indication that these items have been deleted. Transunion is violating my consumer rights as well as Federal Law by failing to provide any evidence that the information they are reporting is valid and accurate, and by not complying with my request to delete the erroneous information.

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 2020-11-06 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-11-06 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: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XX/XX/2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: J.S Resolution Group, Inc.
State: CA

Complaint narrative:
This company has engaged in intimidation tactics and harassment, as well as violating the Fair Debt Collection Practices Act. 

They started contacting me on XX/XX/XXXX using a 3rd party called XXXX XXXX XXXX. This 3rd party contacted my brother as well on this day. Both messages mentioned that a civil suit was scheduled to be issued in XXXX county. Asking me to contact XXXX XXXX XXXX. 

XXXX XXXX XXXX contacted again on XX/XX/XXXX asking me to get contact XXXX XXXX XXXX regarding a pending civil suit scheduled to be filed out to XXXX county. 

The advocate program, I'm assuming another 3rd party contacted me on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through tomorrow. They asked me to contact XXXX XXXX XXXX. My brother was contacted again and my mother was contacted for the first time. 

The advocate program contacted again on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through Monday morning. They asked me to contact XXXX XXXX XXXX. 

XXXX XXXX XXXX, I'm assuming is XXXX XXXX XXXX contacted me on XXXX for a case that their office is handling that is pending litigation. If they didn't hear from me by end of day they would mark as an intentional refusal to comply. If I refuse to contest the allegations a default judgement will be filed without my consent. They contacted my brother again, my mother again, and my father. My mother did answer this call to ask them to stop calling and they discussed details of the alleged debt with my mother. 

This company has shown a pattern of intimidation by threatening litigation and a cilvil suit for over 2 months. This has caused me emotional distress. 

They have violated the Fair Debt Collection Practices Act by contacting my family members multiple times and discussing details of the alleged debt with my family. 

Cease and desist mailed XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This debt was paid off years ago. I was informed this would removed from My credit once paid in full however still remains on my credit report. This Negative account is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX, I tried withdrawing funds held in my PayPal account to my bank. The amount was {$64.00}. When attempting to transfer money to my bank which has already been confirmed, PayPal tells me, " XXXX XXXX XXXX We just need some additional info to confirm it's you. Please add a phone. '' I already have my phone setup for 2 Factor Authentication but when entering that number, I am told, " This type of phone number isn't supported ''. If I enter my old number, it accepts it. The problem is I don't have access to that number. The same exact issue happened on multiple browsers. Whenever I call PayPal, I am unable to speak to a live agent. Instead the automated system hangs up on me. Online support has been entirely unhelpful. They ignore my issue and use generic automated replies. Eventually an agent lied and said they would have someone call me within 48 hours. I waited but no one called. I have asked what happened but the agent has ignored me. Agents would randomly change names without explanation. The names have been XXXX, XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief