vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NE

Complaint narrative:
I have waited 6 weeks to write this to ensure I as objective, honest and this was not just an angry review. I pulled out of buying my home the XXXX of XXXX. This company is the biggest scam ever. You pay the {$500.00}, and you never can give them enough information or documents to be approved. I had 3 months of back and forth, document after document, same letter written several times. It took 3 weeks and me freaking out for them to realize the inspector never went out when scheduled. My closing date changed, not once, twice three or four times, but my closing date changed 9 times. It was almost " its eith the final reviewer, and they said they need this ONE last thing ''. I had to source my loan to an outside company to see why and how my money down changed, and it turns out the changed the terms of my loan and NO ONE noticed but me, and I kept asling and pointing it out, and NO solution was found till I outsorced. I had 10g in my account and they convinced me i had to have 800 from a family friend, and i finally got even that, and they still wouldnt finalize my loan. But they got my {$500.00} which is NOT refundable. Myself, the buyer, and bith realitors were so frustraited that crying calls became a thing. The realitora even gave up all their comission to appease the mortage company. And when the seller agreed to the laon amount ( 6 weeks qftwr the loan was supposednto be finalized bc apprasial was 5 weeksnlate ) they kept coming up with q task list of 1. Then you do the 1 thing they need ( my turn around time was usually 2-4 hours ), and then it go back to the senior under wditer for 4-5 days for them to find another issue and another 1 thing ti do. I was homeless with my son because they changed the closing date 48 hours before close. My family stayed with family for 3 weeks thinking '' well we are this dar might as well see it througj '', and when we hit the date we had to close by because we had to move, they changed it 24 hours before again. I ended up just renting a place and pulling out. They are designed to break you down and drag dit out so YOU cancel the loan, because once you do that your {$500.00} is not refundable because YOU made that choice. Sadly, they cause mental and emotional break downs of people to get them to do that. There is a special circle in XXXX dedicaited to Amerisave Mortagge for what they do to people. And no, i dont wan na call the sutomer servic ehelp line to clearify any XXXX. The bigus response Amerisave has to these reviews thats copy and pasted and never addresses the claims should let everyone know exactly how thsy run their business. Stay away. Far far dar away. If credit karma or another app sent you here, run.

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 2021-10-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report to XXXX, XXXX and Equifax. To this day, over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: B&B Funding, LLC
State: AL

Complaint narrative:
My current mortgage company XXXX XXXX  company sold a ten10 year old debt which was a second mortgage I stopped paying in XXXX. The debt was transfered to First American National LLC. To me they pass themselves off as a mortgage servicing company, but they are really a collection agency. They are currently in the process of foreclosing on the house we live in. My first mortgage is current. I contacted my mortgage company concerning First American National LLC about the foreclosure, but the people I talked to on the phone could not pull up any information with the account number that I was giving them. I don't know the process of course and I am concerned. 
There's more concerning the mortgage, my first and secon. In XXXX of XXXX my wife and I went to the table to to purchase the home we currently live in. Five months later I a new first and second mortgage was taken out for even higher amounts in our names with our signatures that we did not sign for. What I realize is that we have been paying on this mortgage for years that we did not sign for. My question is, how was the original mortgage that me and my wife signed for be paid off with in five months for and even higher amount? I need answers to these questions because I have'nt been able to get legal help over these many years concerning this matter. Now I'm faced with First American National LLC trying to foreclose on a debt that in reality me and my wife never signed up for. I just can't understand how a collection agency can pass themslves off as a loan servicer and XXXX XXXX  my current mortgage company say it in a letter stating that they are. IS THIS TRUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and XXXX ) that Navient Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because Navient keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to Navient and no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX {$2800.00} was fraudulently charged to our card XXXX XXXX XXXX XXXX On XX/XX/XXXX we noticed the fraudulent charges and reported them to Chase. 

Chase agreed to remove the charges and issued us a new card. 

In speaking with Chase, goods or services of these items were never received by the fraudulent purchase because we were able to notice the fraud before hand. 

In XX/XX/XXXX Chase reversed the {$2800.00} credit claiming 'we had received the goods and because of XXXX ' fraud protection it can be proved the charges belong to us '. 

We would like the fraudulent {$2800.00} removed from our card in accordance with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
{$1800.00} XXXX XXXX bill on my report is wrong and misreported I disputed this account seems to be opened on XXXX XXXX by me But thats not belong to me and I disputed this indicating I used to lose my wallet and the account was removed from my report and the account status was closed Now two weeks ago same XXXX XXXX company trying to report this account and even though the status of account is closed trying to REPORT UNDER OPEN ACCOUNTS which prevents my credit score raise I need this account removed from my report immediately and my credit score must be restored cause lost 26 points just because of this misreporting Thax for your help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
On XX/XX/ XXXX a collection was added to my credit report in the amt of {$330.00} with a collection agency EOS CA, which dropped my score 100 points. On XXXX XXXX, XXXX, I reached out to the company to see if I owe a debt and what company is saying that I do. Both representatives could not verify an account with me providing my full name and social security number. The last representative XXXX XXXX. ( she could only provide me with the last name initial ) is the individual who stated there was no account in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to LexisNexis to publish these. I believe thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX2021 showing LexisNexis all the consumer rights that they have violated since I am a consumer. 

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. The XXXX Credit Bureau had their record-keeping been accurate, and no proof of payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
i had a mortgage funded by RP funding. I wanted to refinance to consolidate debt. i provided all docs and everything was fine and i was told oi would not have to pay mortgage for like 2 months. Obviously, i had to pay the pre-paid interest for one of the months and that was fine. The refinance loan closed on XX/XX/XXXX and on XXXX XXXX RP funding did the auto withdraw from my bank account leaving my bank account temporarily short for upcoming other auto withdrawals for things like water bill and electric bill. I attempted to get RP to immediately cancel the auto withdraw and nothing happened. Was forced to threaten legal action if not refunded within 24 hours. Their chief of customer service finally called me and told me i was at fault for not stopping the auto withdrawal. WOW WHAT A TERRIBLE THING TO DO. The old mortgage and teh refinanced mortgage are both under RP FUNDING. Totally unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On multiple occasions, I have submitted proof of my personal information being incorrectly reporting on my credit report. This company refuses to remove inaccurate address and names that don't belong to me. I will send you my drivers license and a bill as proof of my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: DC

Complaint narrative:
I have reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and TransUnion ) that XXXX  Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XXXX Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

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 2021-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My complaint is about a rewards program offered by XXXX XXXX through Capital One. 

I received an email saying I would get 4 % cash rewards on all grocery purchases on my XXXX XXXX XXXX ( an account I already had ). The succeeding month all my purchases on the card were groceries but my rewards balance was only 1.9 %. I checked my online access to determine how rewards are calculated, but there was no detail of which purchases received what percentages. I would never have used this card had I not been promised these lucrative cash rewards of 4 %, so I believe this is a very misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
CapitalOne charged me {$170.00} more for travel arrangements than the XXXX XXXX cost of the trip. There was no disclosure that CapitalOne would be adding on an add'l charge before the funds were withdrawn from my account. I called the support line disputing the extra charge and they said nothing could be done. I then formally disputed the charge when it was withdrawn from my checking account. Capital One denied my refund claiming that I didn't contact the support line about the problem then closed the complaint without any opportunity of reopening it as I absolutely did contact the support line about the problem as soon as I saw the charge on my account - XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/XXXX, my credit report was pulled by Discover Financial Ser and this was not by my consent. 
I would never try to apply for any Discover services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why Discover is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- XXXX XXXX has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
In XX/XX/2021, I received a letter from Scheer, Green , & Burke Co. L.P.A about a " debt that was owed ''. On XX/XX/2021 I mailed out a debt verification letter requesting the following : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 
Please provide a valid basis for the debt, such as the original contract between me and original creditor. In addition, provide documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Tell me the date the debt became delinquent and the date the last payment was made. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 
Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 
Documentation showing you are licensed to collect debts in Michigan. I request the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license please explain. 

I sent this letter via Certified Mail on XX/XX/2021 with the estimated delivery date of XX/XX/2021. From the tracking number on the certified mail I can confirm that it was delivered on XX/XX/2021. 

Currently it is XX/XX/2021 and I have not received a letter back validating the debt or providing any of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am trying to close on the sale of my property, and there is an outstanding lien against the property. The HELOC in question was satisfied several years ago, but the satisfaction letter the bank sent to the county references the incorrect loan. Closing is scheduled for tomorrow XXXX so I doubt anything will get resolved today. But as it stands, I am just a name on their list of many requests to satisfy and I have been for over a week. I have done my own research with the County and the records are attached. Satisfaction letter ( instrument XXXX ) references a loan that was originally recorded as instrument # XXXX which does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 was checking my credit score and realize that is very low. I was shocked when I saw it on my credit account. I believe that someone used my personal 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