vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a loan with Amerisave Mtg. on XX/XX/20 with a XXXX XXXX. I was told initial upfront fee to be paid {$500.00} and that it would be deducted from my closing costs. 
I paid the fee and applied for loan and submitted all my loan documentation to XXXX and was told should hear quickly as my income and property were good to go. After some time ( 5 weeks ) contacted XXXX who told me to contact a Processor by the name of XXXX XXXX XXXX XXXX told needed some additional information that I had already sent to her and XXXX. I sent again and was then told need additional documentation which was sent over to them same day.I am in the mortgage business so I know how crucial it is to get all paperwork in so can be reviewed and approved. FINALLY I was told to expect a Notary at my house on XX/XX/20 to sign our loan documents at XXXX. No one showed up or called us. I tried to get a hold of someone today by phone and email. NO response! .We feel we are being scammed due to being senior citizens and do not want to do our loan. They took out {$500.00} up front which I think is against current California laws. All we want to do is sign our loan documents and close our loan. PLEASE HELP. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion I disputed the inquiries and they kept telling me there were verified. I ask them how were they verified, can I get the proof, they denied my request. I try to file a police report but the kept telling me to just cal the bureau. I sent them numerous dispute letter.

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 2020-09-26 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
I recently sent a request to all three Bureaus - XXXX, XXXX and XXXX reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/FORTIVA Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I now have filed XXXX dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with XXXX XXXX, XXXX, Transunion XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-09-26 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: TN

Complaint narrative:
I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi Double Cash Card Which I used for their introductory Balance Transfer and Interest Rate promotions of 0 % and 1.99 %. Unfortunately I was Taken Advantage of an outside COVID Scam claiming to pay outstanding Credit Card Balances if I was affected by COVID. I'm a XXXX XXXX   owner that has been greatly affected by COVID, so I 'applied ' and was then given banking information to pay my outstanding CC Balances. I attempted to pay my Citi Double Cash Card Balance with the COVID scam Banking information, and of  course the payment was later returned ( however I had already satisfied the minimum payment due from my personal account, which had cleared, so I wasn't late or missed a payment ). Citi then took the returned payment amount and applied over 90 % of it to a 'Standard Purchase ' increased rate of 23.49 %. I contacted them and described the situation that I was taken advantage of in a COVID scam, and that the original Purchase/Balance Transfer was completed under the introductory promotional interest rate ( which had not expired ) and asked that the returned payment amount be applied to the interest rate that the original transaction originated from ( I was even willing to accept a returned payment fee ). They said there was nothing they could do but return the initial interest fee, but now I'm stuck with a balance that was at 0-1.99 % Interest and is now at 23.49 % which will obviously cost me significantly more in interest over time. To add insult ... When I struggled to make additional payments over the minimum amount due to make up for the interest hike, they applied all additional payments to the remaining small balances on the 0-1.99 % interest rate. Cardmember Agreement states " If you pay more than the minimum payment due, we'll apply the amount over the minimum payment due first to the balance with the highest APR ''. I again contacted CITI to discuss the payment allocation, and CITI representatives only continuously repeated what the cardmember agreement states and not how it applied or was incorrectly applied to my account. When I kept stating that I paid $ X over the minimum payment and my 23.49 % highest interest balance did not decrease, only the 0-1.99 % balances, they ignored my facts, and eventually ended the conversation abruptly. I read through the entire cardmember agreement, and didn't see anywhere that it states returned payments would be applied to the 'Standard Purchase ' Rate. Additionally, CITI double Cash Card offers Cash Back on Purchases and Payments, but my returned payment amount even being labeled and applied to the 'Standard Purchase ' rate, doesn't qualify for the purchase and repayment cash back 'promotion '.

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 2020-09-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The item that I am disputing is the following : 5/3 BANK NA XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: VW Credit
State: IL

Complaint narrative:
The item that I am disputing is the following : XXXX XXXX XXXX  XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
XXXX XXXX, XXXX was completing door to door solicitations in my XXXX XXXX neighborhood and claiming to partner/work with XXXX  XXXX XXXX. Not honest or straightforward. The two representatives claimed they just needed information to verify our utility bill wasnt late and that we haven't missed payments to qualify for no cost renewable energy. Submitted verification and got an instant notification of a hard credit inquiry from my XXXX account as well as a XXXX XXXX notice of an update to XXXX account as well!! The inquiry was from LoanPal without ANY consent or notice of credit being involved at all. 
I asked multiple times the costs and specifics but the two representatives danced around the questions and kept saying it was no cost trust us we work with the XXXX XXXX XXXX. They stated we would get rebates on overpaid electric bills, free XXXX thermostat, free LED lights for entire house duct sealants, etc. BUT missed the HUGE notice and required consent to pull credit! I did not verbally or in writing agree for this company to submit a credit pull to LoalPal especially for a {$100000.00} pre-approval. Even after I confronted them both about the XXXX notice, LoanPal preapprove email notice, and {$30000.00} agreement emailed via XXXX, they still stated it was no cost and to just simply sign the documents to get the engineer out to check our eligibility. They were adamant to simply trust them, they are good people, provided photos of badges, and pressured to just sign the emailed documents. 
--

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX Balance {$1100.00} opened XX/XX/XXXX / WF/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX  XXXX  ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} 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 monetary relief
Consumer complaint received 2020-09-26 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX  Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX SUNCST CU Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX  ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX  Balance {$34000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: NJ

Complaint narrative:
I just received another can letter from Experian company stating that you already verified the account listed below. 
Chapter XXXX Bankruptcy XXXX You know, Im tired of sending letter after letter to Experian company. Ive wasted a lot time trying to get this matter resolved ; yet you still will not conduct a proper investigation into my account. When your back is up against the wall, and you have nowhere to go? Well Im contacting a consumer rights attorney who specializes in suing creditors collection agencies and credit bureaus. If you choose to send me another can letter and do nothing, I ll explore all legal options and fire complaints with the following agencies : The ball is in your court.

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 2020-09-26 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: CO

Complaint narrative:
XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.

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 2020-09-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH Mortgage Service is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: Conn's, Inc.
State: TX

Complaint narrative:
I have sent three letters via registered mail in order to obtain information. Each request for information goes unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I rented a vehicle from XXXX XXXX on XX/XX/2020 to XX/XX/2020 for a total of {$370.00}. By the morning of XXXX/XXXX/2020, XXXX had charged me {$870.00} ( including the agreed upon {$370.00} ). I immediately notified my bank that these extra charges were not authorized by me, and that my account needed to be blocked from any other charges being made. They immediately froze my debit card from being charged any further. Next, I called my auto insurance company, XXXX XXXX XXXX, to have them help me dispute the charges that XXXX was claiming against my bank account. XXXX failed to honor their obligation to our auto insurance agreement. I then contacted Citizens Bank Customer Service phone number ( XXXX ), and explained to them in further detail what transpired with XXXX XXXX. The Citizens Bank associate told me that they could dispute the overcharges by XXXX XXXX, and that XXXX XXXX XXXX failed to provide good of services. I was advised that I could dispute all charges on my bank account made by XXXX XXXX XXXX, which totaled {$1100.00}. The total of {$1600.00} is being disputed on my bank account against XXXX XXXX and XXXX XXXX XXXX simultaneously. Multiple Citizens Bank associates had told me that the total of {$1600.00} in disputed charges would be provisionally credited to my account multiple times. I have only received a credit for {$200.00} out of the {$1600.00}. After weeks of calling to gain insight on the current status of my dispute, I was repeatedly told someone would call me back ( never received a call back as they had said I would ). Later, an associate of the claims department and the bank manager at my local branch assured me that I would receive the remaining {$1400.00} into my bank account by XXXX/XXXX/2020. I still have not received anything except for the {$200.00} credit on XXXX/XXXX/2020. I have spent the last 45 days trying to recuperate the overcharge from XXXX XXXX and failure to meet services by XXXX XXXX XXXX. When I attempted to visit the Citizens Bank Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX to resolve these disputes, I was refused service and called a XXXX ( I'm of XXXX decent ). On XXXX/XXXX/2020, XXXX XXXX from the Office of the Chairman at Citizens Bank, sent me a letter in acknowledgement of the racist behavior I experienced at the behest of a Citizens bank associate. As I mentioned, it has been 45 days of being told I will be contacted, repeated requests for me to submit the same documentation, and empty promises of credits to my bank account being restored. At this point I do not feel as though they have honored my rights as a consumer of a financial institution and see no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
During the Pandemic I called Barclays and enrolled in the covid-19 relief program. I have two notices from them saying I was enrolled and XXXX saying my XXXX  was extended for XXXX  months on XX/XX/XXXX stating I did not have to pay for XXXX billing cycles. Despite this, Barclays reported to the Credit Bureaus a late payment in XXXX when I was clearly led to believe no payment needed to be made. This has significantly damaged my credit report and damaged my ability to get credit for my XXXX  including government relief programs.

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