vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
XX/XX/2022 AmeriSave asked for opportunity to beat the refinance offer I had accepted. 
XX/XX/XXXX at XXXX XXXX received email with great news they were beating the offer and we needed to lock in the deal with {$500.00}. I called he confirmed this included beating the monthly mortgage payment of {$890.00} including escrow for taxes and insurance ( estimate they beat did not include insurance but I figured they read the form better than me ) and cash back greater than {$17000.00}. Asked for written estimate told don't worry we are on recorded line we need to lock this in. 
Despite requests for written estimate received first one XX/XX/XXXX with monthly payment was {$970.00} and cash back {$13000.00}. 
Made first of several offers for AmeriSave to refund my {$500.00} and we end the deal. This would not be to my advantage as interest rates have risen. 
XX/XX/XXXX closing monthly payment {$950.00} and cash back {$17000.00} ( includes my {$500.00} ) XX/XX/XXXX Consumer manager called and explained how I was wrong and it was simple math. I am certain they have their XXXX  covered over a simple retiree but I told him the offer was simple and they refused to honor it. Probably went on for what seemed like an hour him trying to explain how they met their commitment. This is when they finally decided to act like insurance was not included in the initial offer. They could have made an offer to beat the estimate without insurance but not what they did. In fact, the loan orginator I dealt with it didn't know it wasn't included in the estimate they beat until I told him.

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 2022-04-07 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: DISCOVER BANK
State: MN

Complaint narrative:
We made a purchase in the amount of {$3500.00} with our discover card. 
The merchant did not produce the item we purchased, also they fraudulently signed out name to a line of credit, we notified the AG office, State Department and also the FTC.

We reached out to discover to open a dispute of the charge. At no time did they ask us for documentation. They reached out to the merchant and all they did was provide the contract we signed, they did not show proof of good received nothing. We got a letter in the mail from discover closing the dispute stating the charge stood. 

We reached out and asked them how this could be supplied them with extensive documentation and they did not reopen the cases, nor did they review any of the documentation supplied and told us we needed to reach out to the merchant getting a letter stating they owed us our funds back. 

We can't contact them! There is no valid contact information they are unresponsive and why we have filed a report with the FTC. This is absurd. Discover is ruling in favor of a merchant who not only scammed us but took us for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
I had a client that had multiple stolen credit cards back in XXXX of XXXX. He booked XXXX reservations with us and used a different credit card each time saying they were prepaid because he loads them from being an investor through bitcoin. The merchant service I had during that time ( First Data ) started to hold my funds without any communication on what happened. I called my credit union that I have my business account with ( XXXX XXXX ) to ask why my funds were not being deposited for the past couple days and they said they would look into it. I finally heard back from them that they were holding all the funds ( almost {$25000.00} ) due to some charge backs coming through. When they told me the dates and amounts I was able to figure out that it was the client with the prepaid credit cards that he said he had. All his transactions came out to around {$2800.00}. Since this situation I have signed up with a different merchant to keep business going and I take better precautions with getting all the information for every transaction that comes through. I don't accept any cards that a client says is prepaid anymore and I will only accept major credit cards. The bank says they have no control over this merchant releasing the funds and they don't have any answers on where my money will be released. All the charge backs have happened and I have paid everything back for that client back in XXXX. I also didn't get clear communication on fighting the chargebacks and lost the money that client had stolen from missing the window to fight them. I would have if the person at the bank told me clear communication on what to do. I understand that this merchant wanted to hold funds from what happened but to hold that much money and to keep telling the credit union that they will reevaluate releasing the funds and then nothing happens is getting me concerned. I have all the email correspondence on this from the past couple months that I can send in as well. XXXX XXXX told XXXX they would seek legal on this merchant but have failed to do so. Please let me know what other information you might need. 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 2022-04-07 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: IL

Complaint narrative:
XXXX XXXX XXXX, doing business for XXXX XXXX XXXX XXXX, has repeatedly ignored payments I made since XXXX, 2022, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.

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 2022-04-07 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: Home Loan Center, Inc.
State: AK

Complaint narrative:
XXXX - LENDING TREE every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. 
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. Lending Tree is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$370.00} / XX/XX/2022

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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$370.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
SOUTHERN OREGON CREDIT SENT ME XXXX COLLECTION LETTERS FOR DIFFERENT DEBTS OWED BY MY EX HUSBAND WHOM I WAS DIVORCED FROM BEFORE HE INCRUED THESE DEBTS- I HAVE NOT BEEN ABLE TO SLEEP AND HAVE BEEN SUFFERING XXXX XXXX XXXX XXXX OF THIS- THEY WILL NOT RETURN MY CALLS OR EVEN DISCUSS THIS WITH ME- HE HAS A JOB - YET THEY ARE THREATENING ME WITH GARNISH AND SMALL CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
bbt bank truist said i owe {$900.00} i had account 30 years ago paid it 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 explanation
Consumer complaint received 2022-04-07 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexis nexus at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability LEXIS-NEXIS and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
After over a years worth of ontime payments, I had one transaction reverse due to non sufficient fund. The next day I fixed this issue and made an online payment to cover that payment and then some. 

Continental Finance reported this as delinquent to the credit bureaus, when in fact the account is in good standing. 

I tried to call them, but their automated system is not capable to handle this request, When I tried to get operator, the system told me no one was available and hung up on me.

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 2022-04-07 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: GA

Complaint narrative:
Experian didn't do a great job with my my fraud case. Seem like I did all of the leg work myself. I asked a rep at the Experian company why I'm I paying each month if they can't get answer to my problem.

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 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Good afternoon, I have a complaint against U.S. Bank Home Mortgage. U.S. Bank is my Mortgage servicer. Recently there was escrow analysis completed and I was told there was a shortage in the amount of {$560.00} I have asked what was in my escrow prior to the shortage amount. I have not received an answer. Problems with the escrow has been happening for years... There have been increase in payments through the years. 
The problems I believe began in XXXX through XXXX when the loan was modified after years of processing. The end result is a partial claim in the amount of {$50000.00}. Which is due at the end of the loan. During this time of Chaos U.S. Bank talked about a Quick Sale. 
Through prayer and contacting an Agency like yours and FHA the loan was finally modified I am Questioning the {$50000.00} balloon payment that is due after Our home is paid off.

I talked to someone in the Modification at U.S.Bank and she kept insisting they were correct in the amount, The person also told me it was not there error it was a machine which calculated the amount. I read the information on your page about the 7 Mortgage serving violations. I believe I cc was charged unauthorized amounts. The bank told me in the beginning of the loan that they were increasing the monthly payments because we did not have Home Stead Exemption which is untrue. With recent concern and confusion with the escrow I need someone to investigate what is happening with my mortgage account. Unfortunately Mortage Servicing Violations happens. I was told recently instead of a shortage in the escrow there is now an overage. I was told two different amounts would be refunded by two different employees at U.S. Bank I appreciate your assistance in this matter. Thanks.

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 2022-04-07 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: FC HoldCo LLC
State: CO

Complaint narrative:
I sent a check for roughly the amount of {$18000.00}. This check is from XXXX XXXX to refinance and paid to flagship credit. XXXX XXXX has confirmed flagship has gotten the check and deposited it. Flagship is now refusing to give me my title and has no history of the check even though XXXX XXXX confirmed and sent me proof it was submitted and deposited by 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 2022-04-07 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: NV

Complaint narrative:
On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the Equifax data breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was enrolled in Electronic Statements for my XXXX XXXX through Bank of America. I use this card very infrequently. I had forgotten I used the card in XXXX. I did not receive any electronic statements in XXXX or XXXX of XXXX. In XX/XX/XXXX my account was flagged by XXXX as having potentially negative information which was emailed to me. Upon my checking, BofA had listed my account as 30 days late. I called BofA and spoke to a Customer Service Rep and explained that I was enrolled in Electronic statements since the opening of the account and never received any electronic statements. She said she would " start '' a dispute, but nothing has changed on my credit report, which due to this one " late payment '' is now XXXX points lower. I then wrote to BofA by USPS to again request the 30 day late reporting be removed as it was a result of their failed system and not due to any wrongdoing on my part. I paid the balance immediately once I knew there was an issue by XXXX. I have disputed the 30 day late reporting with XXXX twice with no avail. My credit rating prior to this incident is outstanding. I have worked hard for my credit score and one late payment has plummeted my score to have to start all over again. I should not be penalized for the failures of BofA to keep their customer 's informed as required by law. It was a direct failure of their system that has caused severe damage to my exemplary credit standing. The first statement I received electronically was in XX/XX/XXXX after I called to complain I had never received any statements prior. I have asked that as a sound, well paying customer even as a courtesy the 30 day late be deleted with no response from the company. BofA has a fudicary duty to its customer 's and I am protected by Consumer Laws to be notified of charges, which they failed to do. Their system failed and has caused extreme damage to my credit score, reducing my credit worthiness and my ability to fund my businesses. I have attached the two payments that were made. The first was on XX/XX/XXXX after XXXX notified me of potentially negative info on my credit report. The second was on XX/XX/XXXX after I received the first statement in a year.

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 2022-04-07 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-07 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation