vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Hi, I started the refinancing on my condo on XX/XX/XXXX with Amerisave MOrtgage Co. and I had to give them {$500.00} for the a hold for the application fee which they also said so I don't walk off to another mortgage company. 

I signed the closing document which had fees in section A : Origination Charges : 0.223 % of Loan Amount ( Points ) = {$600.00} Application Fee = {$500.00} After run around for two months and on XX/XX/XXXX I get an email. from Amerisave saying : " The interest rate is still the same but the fee, as of today, is about {$1800.00} higher than what it was when we initially spoke. We can still lock in and move forward if youd like. '' Now in section A : Origination Charges : 0.853 % of Loan Amount ( Points ) = {$2300.00} Application Fee = {$500.00} So on XX/XX/XXXX I started the application with XXXX XXXX  and got a lower closing cost and decided to go with them. I let Amerisave know that due to the rate change and the two months which was there fault I decided to got with a local bank and would like my {$500.00} returned, they replied : " The {$500.00} is a non-refundable fee. The reason that is there is because we have had 14 teams working your file for 2 months now. That money goes to fund those costs. If you want to walk away from the loan you certainly can but the {$500.00} isnt refundable ''. 

It was there fault it took two months and I still didn't get a close date.. 

Thank you! 
XXXX XXXX XXXX : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 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: NJ

Complaint narrative:
To whom it may concern, I was going over my credit report in the past few days. Today is XX/XX/XXXX. I have noticed a bunch of fraudulent activities I do not recognize. I tried calling some of these companies and have gotten the run around and basically told to dispute with transunion. I called trasunion a few times to get these items removed but never a live human on the telephone. They have given me 34 hard inquries. Only a handful of these are accurate. Going forward I am changing all my passwords and stuff so this does not happen again. Here are all the ones that are inaccurate that I need off my credit report. I will even attach four screen shots from my XXXX XXXX account so you guys can see. All of the following was never authorized by me XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received a message stating that my Checking account with Wells Fargo had an approved overdraft at an ATM transaction on XX/XX/XXXX. There was three transactions made ; one for XXXX and XXXX dollars at an AT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I explained to Wells Fargo that I did not, make the the transactions not did i authorize the transaction and that I only had XXXX to XXXX dollars in the account. Wells Fargo expressed to me that I have overdraft protection on my account which will allow funds to be taken out without being in the account. Wells Fargo stated that an investigation was conducted and they determine that no fraud took place. I then was told to get a police report if I did not agree which I did on XX/XX/XXXX with XXXX XXXX Police. I provided Wells Fargo with the police report number but was again told that the case can not be reopened and that I am responsible for payment of the withdrawn funds. I asked was the cameras reviewed at the ATM and I was not given a clear answer. I did not make the transactions and the camera will prove that it was not me. I expressed to Wells Fargo that they have a history of discrimination towards XXXX American consumers and the way that this case has been handled I feel discriminated. I just want to get to the bottom of the situation and I do not feel that I am responsible to pay for something that I did not do. I was a victim of something that is very common and I am being accused of authorizing these transactions.

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 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
THIS IS NOT A DUPLICATE they ignored everything I said on my previous complaint. The original contract DOES NOT have my name on any of the pages. which is a major violation under the FCRA. Im making this complaint direct to the original creditor because AD ASTRA say they don't own the debt they just collect on the behalf of Speedy Cash which was confirm by one of the SPEEY CASH employees, that confirm they are the current owners. 

So I repeat the original contract does not have my name on any of the pages, but they claim it was 100 percent accurate, which is false because the name in the contract was " XXXX '' which is not my name, and another name they have is " XXXX '' which is not my name, these are errors on their behalf. SO how is the account is 100 percent accurate nor consistent when they have two names that's not mines.I will upload every page of the contract that has a printed name on it to prove my case. I will attach documents that show the inaccurate & inconsistent errors. 

PLEASE STAY ON SUBJECT TO THIS MATTER OF THESE FCRA VIOLATIONS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I logged into my Wells Fargo Account to pay my bills. While paying my bills I needed to create a new payee XXXX XXXX in order to pay my mortgage. I created the payee and preceded to make a payment at which time the Verify Your Identity dialog box appeared requiring me send my private information a number that I dont recognize. 

Again I was logged into my account, I had already verified and was paying my bills. This action by Wells Fargo prevented me from accessing my funds to pay my mortgage. 

Therefore, I contacted Wells Fargo and was forwarded to XXXX from Wells Fargo in the Texas Consumer Advocacy Department when XXXX was unable to resolve the matter. XXXX said, she said she was not able to help me unless I provided my login username, I explained I did not feel comfortable providing my private login information at which time she refused to help or resolve the matter. 

I asked XXXX and XXXX for ID numbers so I could document the call, both refused to provide the information so I would be able to document whom specifically I spoke with.

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 2021-02-20 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX - A purchase of {$380.00} was made on my Apple Credit Card ( Goldman Sachs ) was made at XXXX at XXXX XXXX  XX/XX/XXXX I noticed a fraudulent charge of {$380.00} and immediately contacted Apple ( Goldman Sachs ) customer service at XXXX XXXX. I informed them that I've never made any purchases to this merchant. The full amount was credited back to my account and my credit card replaced. 
XX/XX/XXXX - Two new charges appear on my credit card, one of {$140.00} and another of {$230.00} totaling {$380.00} equal to original amount. I immediately contacted Apple credit card to dispute the charges one more time with XXXX. The amount was returned and a fraud investigation was underway. 
XX/XX/XXXX - I received an email with the transaction dispute resolved in favor of the merchant. The email states that sufficient evidence was provided by the merchant that Ive made the purchase. I called Apple credit card customer service once again to only dispute the transaction of {$140.00} and to request the documents of the results of the investigation. The Apple card specialist named XXXX at Goldman Sachs informed me that the documents would arrive in 1-3 business days. The documents never arrived after said time. The amount of {$230.00} remained credited and a temporary credit of {$140.00} was returned to my credit card. 
XX/XX/XXXX - The dispute made back in XX/XX/XXXX was again resolved in favor of the merchant for the same reasons stated above. The fraudulent amount of {$140.00} was charged back to my credit card and I received an email stating the same outcome. I contacted Apple Credit Card again to dispute the same amount of {$140.00} of part of the fraudulent purchase made at XXXX back in XX/XX/XXXX. I spoke to a fraud specialist again who repeated the same steps above and suggested to dispute the charge again with an unknown outcome. I requested the documents of the dispute and the specialist said that I will receive them in 1-3 business days. I told the specialist to leave the charge this time, and now, I'm filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
We received an appraisal through PHH Mortgage which we've paid for.. We found them very hard to work with do to the amount of paper work needed, so we decided to switch lenders or brokers. After many attempts of e-mailing, and our loan officer trying to contact PHH. they refuse to forward the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off a {$6300.00} balance with my XXXX XXXX Visa on XX/XX/XXXX. Payment and correct status are shown on all statements since, and XXXX XXXX XXXX XXXX will verify the correct balance if telephoned or accessed via bank website. However, XXXX XXXX XXXX XXXX continues to report to Trans Union the {$6300.00} balance as current. I have filed five ( 5 ) disputes with Trans Union on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct this error. Each time I received an email reply stating, The disputed item has been verified, Balance is {$6300.00}. The Bank contended on XX/XX/XXXX, that they will continue to report the balance to Trans Union as unpaid as long as I continue to dispute the error. All other credit bureaus are reporting correctly. Ive never heard of such a thing as this ; the intransigence of both parties defies logic.

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 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX I received a pop-up while using my bank account app to confirm my personal information. On it, I was able to view my SSN which was incorrect. A single number was incremented. I went to the bank twice, once alone to attempt to correct my information and then again with my wife, because it's a joint account and my account information could only be updated when we were both present, and attempted to correct my SSN. A correction was submitted by the banker and on-screen it appeared to be correct. In XX/XX/XXXX I downloaded my credit reports and corrected the XXXX  report where I noticed the alternate SSN had been reported. 

I received a pop-up again in XX/XX/XXXX asking me to check my personal information on my account and saw that the same incorrect SSN was listed on my account. I again went to the bank with my wife. This time we were helped by XXXX XXXX and in addition to correcting it locally forms were signed and submitted to some back-end group to also correct it. At the time I asked to be informed why and when my SSN was changed and what assurances they would be able to provide that my SSN would not be changed again. I followed up on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at which point it was stated that they could only see the current information and had no insight into previous changes. 


Checking my credit reports again this year, I saw the alternate SSN was reported to another bureau ( XXXX ), this time with a reporting date attached ( XX/XX/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 2021-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  and XXXX fios XXXX, experian XXXX points lower, they are reporting incorrect balances on my credit report, will not except online dispute on accounts, wrote them no reply 45 days.

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
I applied for a refinance with Interactive Mortgage back in XXXX. I had a rate lock for 2.35 % 30 years loan for a loan amount of about XXXX {$410000.00}. 
While i have been waiting for the underwriter, since they have a long queue, rates have gone up ( now the same product is offered for a rate of 2.75 % ). Interactive Mortgage kept on stalling and delaying the process and emailed me on Monday ( XX/XX/2021 ) this week to tell me that my rate has expired last Friday and they will not be able to give me that rate anymore. 

Interactive Mortgage haven't called me or emailed me to let me know that they are waiting on something on need any additional documentation.They also waited till the Monday to email me ( email enclosed ) when they should have done it before Friday, before the rate actually expired. Additionally, i was never notified about this expiry date in any communication from them. 
Enclosed is an email from Wednesday XX/XX/XXXX, two days before the rate was allegedly supposed to expire, in which i am asking XXXX the processor about latest status of the refinance and and she says nothing in her reply about rate about to expire in two days. 

i strongly suspect I am not the only person who fell victim to this fraudulent " stalling till rate will expire '' strategy. They have a strong motive for stalling customers since this way they don't need to respect the rate they promised when market conditions have changed. 

To my huge surprise, they became non responsive and when i eventually talked to the manager XXXX XXXX XXXX XXXX, he had nothing to say to me other than " he is sorry that this is how i feel ''. He mentioned that i can't speak to anyone else and he is the right person. 

Back in XXXX, i could have gotten this rate from a few companies. Now it is not available anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: First Technology Federal Credit Union
State: GA

Complaint narrative:
I hold a checking account with First Tech Federal Credit Union with a running balance of {$7000.00}, to which I made a XXXX deposit of {$6800.00} and two XXXX  credit card payments of {$4200.00} and {$4600.00}, all ACH transfers. All three transactions posted to my account on XX/XX/XXXX. Because First Tech FCU 's processing systems chose to post the debits to my account before the credit, they returned the second XXXX payment unpaid, incurring a {$33.00} " return item fee '' to my account. This has happened once before in my multi year tenure with the bank, however they were able to reverse the fee upon request as it was a similar issue. This time however, even when I escalated the issue to a supervisor for review, they refused to reverse the fee, saying that in XX/XX/2020 they have increased their " return item fee '' by {$5.00} and also became more strict on not reversing them. They neglected to address the issue that their system could've posted the credit first, but did not. 

The bank charges me nothing when a debit card transaction is declined, because I have opted out of " overdraft protection ''. However an ACH decline, which is just as free for the bank to process, incurs an exorbitant {$33.00} penalty. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an account with Experian, the account was reported by XXXX XXXX XXXX for {$840.00}. Experian sent me a result stating that this account was removed from my report, but it was not. I called Experian trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by XXXX XXXX XXXX. This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why Experian first concluded it's investigation with a result of removal and then changed it to updated?

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 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I just got an email from this company about how to find my XXXX. They say I will receive an email on XX/XX/XXXX from XXXX, the qualified custodian of my moneyion investment account notifying me of my XXXX. 

I DO NOT HAVE AN INVESTMENT ACCOUNT! I have had this issue with this company before and this is not my first complaint through you. In XX/XX/XXXX I took out a {$500.00} loan. I did default on that loan due to hardship and I had a balance of {$460.00} though on my my credit report it has CLOSED with the balance of {$350.00}. 

XX/XX/XXXX I received some email about liquidation and surplus or deficiency saying my amount due as of then was {$460.00}. It said since I defaulted on the loan MoneyLion directed that my investment account securing the loan held at XXXX be liquidated and paid over to them be applied to the loan balance of {$460.00}. The amount of surplus or deficiency was $ XXXX. The amount of the proceeds of the disposition was {$110.00}. All this information I am taking from emails. 

I have asked this company to close any and all other accounts that opened when I took out the {$500.00} loan in XX/XX/XXXX and they are not listening. I have not used this company or the app for anything other than that {$500.00} so whatever surplus or deficiency or disposition I have nothing to do with. 

I want this investment account closed asap and this company to leave me alone and delete whatever they have of my information. 

I have emailed them and submitted complaints here. On XX/XX/XXXX MoneyLion responded to a complaint I submitted nearly a year before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied International Credit Corp., (US)
State: CO

Complaint narrative:
I received a notification in the mail from one Allied International Credit Corp. saying I owed a debt of {$1800.00} to XXXX. I contacted XXXX and they do not have any record of any purchase on my account. This is a false document. XXXX also stated they do not deal with any one company to collect debts and they had no idea who this company was.

Company response to consumer: Closed with explanation