vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Due to improper account practices on Amerisave and the Loan Servicing Company XXXX My account shows as in default and has negatively affected my credit score. 

The reason the payment went up in the first place to {$2600.00} was due to an accounting/paperwork error on AmeriSave 's part, in addition to taking 7 months to complete the deferral which legally AmeriSave was allowed 30 days, according to the CARES ACT. As a reminder, the deferral expired in XXXX of XXXX and was paperwork was completed on XX/XX/XXXX. We should not have to bear the financial burden due to this nor can we afford the payment of {$2600.00}. The {$2200.00} payment will be backdated from XXXX. Please provide me the legal paperwork that does not allow for this to happen with case law and FL statutes attached. This should be correct ASAP. The " payment '' for {$1500.00} is the amount missing from the Deferral Agreement that was offered by Amerisave, only {$8200.00} was applied to the account while a total of {$9800.00} was approved. See attached for XXXX statement with deferral amount and see Payment Deferral Offer Letter ( QRPC ) for a total approval of {$9800.00}. In addition, see the letter sent to the XXXX XXXX XXXX Case # XXXX from " XXXX XXXX ''. 

Upon further review of my bank statements, I have found another discrepancy in account on XXXX 's behalf. Currently, there is at least {$2200.00} XXXX If using the monthly payment of XXXX starting XX/XX/XXXX ) or {$4100.00} XXXX If using the monthly payment of {$2200.00} starting XX/XX/XXXX ) missing from payments that have made to the mortgage. XXXX attached XXXX workbook. xls or pdf. This is in addition to the other items that were incorrectly handled by XXXX and the XXXX XXXX XXXX XXXX. This should be corrected within XXXX hours to avoid confusion. I have attached the bank statements with this email up to XX/XX/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 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX Chase re-billed my credit card for a previous dispute that I thought was settled. I had never received any correspondence from Chase regarding the original dispute nor the re-billed charge. When I saw the charge back to my credit card I questioned Chase and they advised me that they evaluated my dispute and decided that I would have to take up my dispute with the merchant. ( XXXX XXXX XXXX XXXX ). When I asked them for discovery regarding the information they used to determine their decision, I was told that I had to write a letter to the Executive Offices and that they could not supply me with the documentation I had requested. I once again reminded them that I had not received anything in writing from them whatsoever! They again told me there was nothing they can do and to write a letter and FAX it to the Executive Offices. Left with little choice, I had to do battle with the deceptive merchant once again! On XX/XX/XXXX, the merchant picked up a portion of the merchandise I was disputing and was allegedly was going to credit back my Chase credit card. That never happened. I contacted XXXX 's and they advised me that I had to contact Chase to re-dispute the charge in order to receive my credit. I once again contacted Chase and they advised me that I had to write yet another letter and FAX it! I once again complied and wrote yet another letter to Chase on XX/XX/XXXX. I provided all of the the supporting documentation from the merchant regarding the credit for some of the merchandise returned. I still have not heard from Chase and I checked my account online yesterday, XX/XX/XXXX, and I was charged a late fee and now I'm delinquent!! My supporting documentation will provide some insight to the nightmare that I have endured. This must stop! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
I know nothing about about this account. I have never received a call, email, letter in the mail, nada. One day I checked my credit report and there it was. No one has or can provide information that the debt actually belongs to me ( because it doesn't ). 

I have no documents because I never signed up for this account I have Disputed this to all three credit agencies. 
XXXX states they verified but has not provided proof it is my debt. 
XXXX doesn't have it on my report XXXX does and I have disputed This is the company : MOUNTAIN RUN SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX I have NEVER had XXXX for any of my homes I have ever lived in I want this cleared off my report ASAP

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom is may concern I consumer did not give Equifax any written consent to place any information onto my credit report. The law clearly states that if there is no permissible purpose you cant place any information on a consumer report without the consent of the consumer. According to 15 usc 1681b, 15 U.S. Code 1681b - Permissible purposes of consumer reports : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is clearly a violation and the information needs to be removed immediately within 24 hours. If a law says, as citizens and companies the law shall stand in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Please see below account # XXXX is a old Wachovia/Wells Fargo credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason Well Fargo has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year Wells Fargo Customer and owe absolutely nothing and have never been a day late on any obligation. I called the Wells Fargo Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The Wells Fargo Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
Contacted them multiple times about debt validation and have yet to receive anything. It's impossible to reach anyone on the number listed on their website. According to XXXX XXXX the highest balance is less than the current balance but I've yet to make a payment.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: RC Willey
State: NV

Complaint narrative:
I have court documents saying rcwiley to be removed in negative credit report and one credit report is refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Hello, I applied for a mortgage modification due to COVID-19 and was approved on the second attempt. The process has been long, but recently came to an end. I was fortunate enough to qualify and my mortgage has been modified. I noticed that the company charged interest owed to my principal balance. I would like a breakdown of the how the interest was accrued. I just see a charge of {$4100.00}. I made payments during the trial process and my most recent payment was held in a suspense status until I filed a complaint. I do not believe the interest was calculated properly resulting in a higher charge. I would like this to be investigated. I paid the trial and should get some credit for doing this. It seems very unfair and wish this was disclosed during the process. 

Thank you, XXXX 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 2021-05-25 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: SC

Complaint narrative:
Please see below account # XXXX is a old XXXX XXXX credit line opened in XX/XX/XXXX and paid off in XX/XX/XXXX. 
I just noticed for no apparent reason XXXX XXXX has reported this old paid off account to the credit reporting agencies a FORECLOSURE PROCEEDINGS STARTED I am a 20 plus year XXXX XXXX Customer and owe absolutely nothing and have never been a day late on any obligation. I called the XXXX XXXX Foreclosure department and they could not give me any reason this was reporting and did verify nothing was owed on the account and it was a {$0.00} balance. The XXXX XXXX Representative said the only way to fix this was I had to write this letter to have it removed. 
Please remove this fictitious credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I was given a prepaid Visa card as a bonus through my employer, I had to pay taxes on this card as income. I received the card the end of XXXX and planned on using it for a Veterinary expense for my pet. Due to COVID and office closures etc I was not able to use it until XXXX of 2021. When I went to use the card the balance left was XXXX cents, not the XXXX for the bonus. I immediately logged in and found the card had been compromised in XX/XX/2021. This card has never left my wallet from the day my employer gave it to me. I still have the card in my possession. I contacted them and advised that I was just made aware of this issue and I was told I only have 60 days to dispute. If the card is still in my possession how would I know it was used by someone else? I made my inquiry also to the merchants and was advised that I would need to dispute with the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Had a total loss insurance claim for vehicle. Insurance company settled for an amount but insurance company sent proceeds for amount more than guaranteed amount and company has not submitted documentation where and how funds were distributed. The extra funds were due to extra coverage which was paid on my policy. This company has predatory lending practices. Also gap insurance claim was not honored and no explanation given for denial even though it was a valid claim. We have not received any documentation only bills asking for more money from loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
There is an unknown account listed on my credit file stating I owe on a medical bill, first I was never informed of this and would have disputed this. I do not owe any medical bills. This is wrong, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I invested {$25000.00} in 4 cryptos using the Coinbase platform. On XX/XX/XXXX my account was frozen. I filed several requests to have my account restored. They wanted verification of ID using a camera. Their camera was so unstable I was unable to successfully get a pic. I informed them of this and asked for an alternative ID process. They kept insisting on the pic. Finally, on XX/XX/XXXX a friend helped me get the pic. The ID was accepted on XX/XX/XXXX and my account restored for 3 of the cryptos which I immediately transferred off the platform which incurred a fee. The 4th crypto was XXXX which was under SEC investigation. They froze that crypto on XX/XX/XXXX without allowing investors to sell, trade or transfer it. No notice. So I still have {$5000.00} in XXXX frozen resulting in loss of $ XXXX that I could have sold the XXXX in this period. 
Given the volatility of cryptos, denying me access to my crypto for 8.5 months has cost me over {$100000.00}. I believe Coinbase 's actions were illegal, without conscience and fraudulent given they advertised I could trade on their platform. 
Reasonable compensation would be {$100000.00} and freeing my XXXX to be transferred. At best, they have been heavy handed and unresponsive. They should have never been allowed on the stock exchange.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: IL

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 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 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you 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 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I called them 2 months ago to get out of covid forbarence they said that some other guy had to handle it. So far they havent gotten back to me ... Idk what to do, they told me to wait.

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 2021-05-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In a recent review of my credit report, I have noticed some errors. Please make the following changes : XX/XX/XXXX, I realized someone opened the TJ MAXX credit card under my name, left an unpaid balance and leave a negative effect on my credit report. I contact The Synchrony Bank : and make a Payment of {$170.00} today date XXXX 
Ref # XXXX. The account is closed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have called bank for atleast 7 days trying to figure out why I have a charge back on my account I have spent hours on the phone drove to 2 different branches all I get is put on hold transfered or hung up on they keep telling me to call back tomorrow can someone please help me get some answers thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: PA

Complaint narrative:
A XXXX  card account number XXXX*that is not mine was on my credit report i sent a response two months ago and have to get a response. the card has inaccurate information reporting which is a violation pf FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit. Tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar, dba Mr. Cooper did not post my XXXX mortgage payment to my account even though they cashed the check and it cleared my bank. 

I notified them and they still did not fix the problem. 

They then applied an autopayment for XXXX to the open XXXX payment. 

They then reported me to the credit agencies and my credit score plunged from XXXX plus to XXXX. 

I was not notified and did not find this out until I was applying for a car loan on XX/XX/XXXX and denied credit. 

When I contacted the Mr. Cooper again they told me if I did not pay over the phone they would be taking further action. I paid over the phone along with a penalty. 

Now they are telling me they did not cash the check? 

Even though customer service has the cancelled check - they can't fix the problem. It gets referred to XXXX  - they will not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX on XX/XX/21, they stated they are having issues with their system that incorrectly sent out information to Transunion and XXXX. They also stated the problem would be fixed. The information caused me to lose out on getting a house. As a result of the incorrect information my credit score decreased by XXXX points. I am getting no where with this issue. I have not received a call back as they said they were going to call. They also stated that they did not see any debt under my name.

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 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: MD

Complaint narrative:
In early XXXX, 2021 I initiated a mortgage application with Better.com. At which time I was quoted a closing cost on my mortgage of approximately {$8500.00}. The original amount is no longer available to me as they have completely removed any record of their transgressions from my portal. During an absolute nightmare of an underwriting process I was informed that because I was utilizing a co-signer I would have to get the deed re-titled so that the co-signer was added to the deed. This was very surprising to me as co-signers are not required to be on the title/deed of a home. With closing scheduled for XX/XX/2021 my final paperwork was generated just a few days before closing. Hidden in this closing paperwork was {$5300.00} of additional previously undisclosed fees that were required by the state to retitle the house. Now, better.com had told me over 45 days in advance of closing that the house would need to be retitled, but they instead decided to hide these fees in the final paperwork instead of disclosing them earlier in the process for fear of losing the refinance. It wasn't until closing, which I used a third party for, that I was made aware of the cost of this predatory and intentional gross negligence by better.com. They intentionally withheld this information from me until the XXXX hour so that I would not have time to find another lender as rates had already moved significantly against me during this time. When better.com was asked about this they said well you used a third party closing company so it's their fault. The fact of the matter is, I did not bring in the third party closing company until just prior to closing so better.com was responsible for generating assumptions for all fees associated with the refinance prior to the closing and in the good faith estimates. Better.com did not act in good faith and intentionally withheld the cost of retitling the house so that I was left with no choice but to pay the fees due to a requirement that they had generated. When a request for remuneration was set forth they refused to take any responsibility and severed communication.

Company response to consumer: Closed with monetary relief