vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I recently refinanced my mortgage with AmeriSave mortgage corporation MNLS ID XXXX. My loan originator was XXXX XXXX MNLS ID XXXX. The pertinent dates are XX/XX/XXXX through XX/XX/XXXX ( loan closed ). The basis for this complaint is transparency with lending fees and bait n switch with fees disclosed from initial fee arrangement to closing. Pertinent communications are attached to this compliant. 

On XX/XX/XXXX I initiated a 25-year mortgage refinance. XXXX provided documentation that the lender fees would be {$1200.00} and XXXX agreed to lower the lender fee from {$1200.00} to {$720.00} - a savings of {$500.00}. XXXX shared that those fees would not be subject to change. Please note the {$1200.00} figure was not consistent with the online quote site but it was close. 

Approximately a week prior to close I received several loan disclosure forms with lender fees much greater than originally agreed to. The first loan disclosure discrepancy I spoke with the loan processor who was able to access the original lender fee documentation provided by XXXX ... my loan processor referred the issue back to XXXX. XXXX proceeded to ask me to forward the documentation I had as evidence of the lender fee agreement despite this information being available to him through his own company documentation of my file. He proceeded to discuss the discrepancy with his manager. A revised loan disclosure was prepared with lender fees much higher than our original agreement. I responded to XXXX for an explanation and he said he would investigate. A third disclosure through email which again was inconsistent with our original discussion was received. XXXX shared I was getting a great deal by only paying a lender fee of {$1200.00} ( which is the lender fee posted on the site originally ). XXXX shared he made an error with his original estimate. 

All of this concerns me from a process and company integrity perspective. First, if I did nothing how much would I have over paid based on that first disclosure ... how many other consumers who might be less informed and more vulnerable be over paying. Second, why is the organization not honoring their agreed to lender fees. Based on the lender fee agreement on XX/XX/XXXX to XX/XX/XXXX the fee jumped 70 %. That should not be within any tolerance standards for a company ... let alone should a consumer experience that sort of disparity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Veripro Solutions Inc.
State: CA

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by Veripro Solutions. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted Veripro Solutions and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however Veripro Solutions says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and Veripro Solutions is taking advantage and is bullying consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX. There was a hard credit inquiry made on my credit report from Pentagon Credit Union. I have never contacted this agency regarding a line of credit or a loan. 

I called them on XX/XX/XXXX to ask why they made an inquiry into my credit. I could not get very far because they asked for my social security number in order to proceed in the queue to customer service. Since I am not a current customer, there was no need to provide my private information, so I did not proceed. I felt like it's either a scam or a poor way of doing business to ask for someone's social security number if they are not a current customer. Don't you agree? 

I would like this removed from my hard credit inquiries. 

They also made a soft inquiry XX/XX/XXXX and XX/XX/XXXX, and I would like these removed as well. I do not know this company. 

PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA 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 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MI

Complaint narrative:
XX/XX/XXXX. {$260.00}. I believe that this payment is insufficient for the services rendered due to services not working correctly. I would like the {$110.00} installation/contract fee reimbursed to my account effective immediately. I need to study for my Professional Exams, including XXXX XXXX possibilities for a scholarship in the summer of XXXX or sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX. The bankruptcy included all my debts including my 1st and a 2nd mortgage. During that time, I decided to keep my home and continue making payments on my 1st mortgage. Last year in XXXX I tried to refinance my home I couldnt because there was a lien on my property by XXXX XXXX. This lien was for the 2nd mortgage that was forgiven by my bankruptcy. I contacted XXXX XXXX  and we negotiated a pay off of {$24000.00}. At that time, I was not able to obtain a loan because of the lack of equity. Recently I have tried again to obtain a loan because I have more equity. I now have a finance company willing to work with me, however XXXX XXXX says I now owe {$45000.00}. I dont understand how they came up with this pay off. During this pandemic I need to refinance my loan due to financial circumstances and XXXX XXXX is taking advantage and is bullying consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Tried to send payment through Zelle app. Twice it gave me error codes without sending money to my recipient but shows under actions in the Zelle app that the payment went through. It shows as a pending transaction in my bank. Ive called Zelle twice with no answer why but just told someone will send me an email in 3 business days.Ive called my bank and its a problem on zelle end they said. Zelle can not tell me why this happened and told me to wait on a bounce back to the bank before trying to send the money again. Meanwhile my husband and son still cant get the money. This happened today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: PA

Complaint narrative:
I filed a dispute regarding an account listed on my credit report by XXXX XXXX XXXX. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. Transunion claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( XXXX XXXX XXXX ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was charged {$4500.00} fraudulently by a former employer who was not authorized to make those changes. I called Bank of America over 40 times and was given every excuse the former employer gave. I proved every charge was false and I submitted the records and payments along with Government documentation proving the charges were false. The very last document sent was the Credit Card Authorization Form with my signature that authorized the company to charge my account a monthly affiliation fee of {$130.00} ONLY. This was written boldly across the authorization form that I had to provide. This has been going one for the last 4 months and I have faxed 4 sets of documentation to BOA with NO RESPONSE. Every call made by me to BOA gave me a different reason why they didn't remove the charge and every excuse was answered with documentation. I have only two letters from BOA. One removed the charge the other added the charge back to my bill with a statement the '' Regrettably, we were unable to obtain credit ( S ) to your account from the merchant ''. This dispute is an UNAUTHORIZED USE OF MY CREDIT CARD not a billing dispute. under the Truth in lending act limits my personal liability to {$50.00}. BOA has never responded to my FAXED Documentation or calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I filed a dispute regarding an account listed on my credit report by Weltman Weinberg Reis. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. XXXX  claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( Weltman Weinberg Reis ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX  , XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/ XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
We are in the process of refinancing, and our current loan company, Rushmore Loan Management will not send over the payoff amount to the escrow Company. We began the process on XX/XX/XXXX and were supposed to close on XX/XX/XXXX. Our broker had to request an extension once, and just had to file another. The broker requested the information and the loan company would not fax it. We called on XX/XX/XXXX to have it faxed the escrow company -- they told us it was sent on XX/XX/XXXX, but the escrow company never received it. The escrow company called to follow up, and Rushmore still did not send it. We called on Monday, XX/XX/XXXX and the company did not pick up the phone, even though we called within business hours ( said they were closed ). We called again and requested it on XX/XX/XXXX -- they said it would be faxed to the escrow company that afternoon, but the escrow company did not receive it. We just want to refinance our loan, but we can't do it because of the negligence of Rushmore. 

We had this same problem with them when we tried to get our PMI removed. Rushmore kept insisting they had sent us letters or faxed us information when they had not. I suspect they are printing copies of the letters they write and placing it in our file, without ever sending anything, so they can claim that they did it. It took 3 months to get them to move on removing our PMI -- that was close to {$900.00} that we could have saved. 

I just want them to send the payoff amount to the escrow company so we can finish the refinance and have another loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as anew evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these  credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I've followed the instructions they set forth, I've called multiple times, I've summited the online document and haven't gotten any response. This company without my knowledge and permission is reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My wife and I have been dealing with the incompetence of Shellpoint since XXXX. We received our Escrow Analysis and noticed that our payment was increasing from {$1600.00} per month to {$6200.00}. I know sounds absurd right? That's what we thought too. So apparently you decided to start adding PMI of {$3800.00} onto my loan. Now this was new to me because the loan was with XXXX for 6 years and I never paid PMI. In fact when the loan was originated we elected to pay a one time payment of, you guessed it, {$3800.00} to eliminate PMI. You took over my loan in XXXX and in XXXX decided it would be a good idea to charge the PMI and send it in to the insurance company. Funny thing is they returned the payment because nothing was owed. The first payment was on XX/XX/XXXX, it was returned on XX/XX/XXXX. There was another payment sent on XX/XX/XXXX and returned on XX/XX/XXXX. The really interesting thing about this is that the disbursements are not consistent or monthly. There have only been 2 since XXXX. If you look at my loan you will see all of this along with the notes from the however many people we have talked to that really couldn't do anything but put those notes in the system. At some point, I guess someone entered a request to have PMI removed from my loan. Today I received a letter that asked me to sign and return it to authorize you to order an appraisal of my property. This will cost me a minimum of {$400.00}, I thought that was interesting ... This is what prompted me to call yet again and be told to email loan servicing. Funny thing is my wife spoke to someone recently that said you all don't reply to emails. I assume it's true as I never received a response from my first email. The way I figure it is I am just wasting more of my time by writing this. 

I'm trying my best to document everything that I can. I have sent in the original docs from closing as well showing the PMI payment didn't exist. We have been able to continue making our normal payments of {$1600.00} by sitting on the phone for over an hour at a time and finally getting someone that could take a " Regular Payment with Adjustment '' over the phone. That was for XXXX and XXXX. It was obvious to them as well as everyone we have spoken to that there is a mistake on your part. The issue is no one has the ability to fix it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts or my addresses. Please remove 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