vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
Hi, I've started working on my refinance application on XX/XX/XXXX ... and in XXXX i had to walk away after closing costs increased over 2 times and {$500.00} i prepaid for the application. 
Every promise Amerisave made was a complete lie ... .and nothing was in the end the way they promised it. 

Amerisave from the day one was focused on collecting {$500.00} with the bait and switch approach. They quoted me rate which was good before I paid initial {$500.00} fee ... .after fee was paid the rate and the amounts of closing costs kept changing. 
In the end they said that because my condo with mortgage of $ XXXX was appraised for $ XXXX and not $ XXXX the rate needed to be higher ... which is complete nonsense since I refinanced homes before and once you have 40 % equity it doesn't matter. 

Their entire selling technique is based on ensuring that you out {$500.00} and once that happens the original terms are out of the window! 

Scammers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I deposited my payroll check into my Bank of America checking account. Since it was a new payroll check, I wanted to know if there would be any holds ; teller instructed no, stated that funds would be available midnight on XX/XX/XXXX. On XX/XX/XXXX, I checked my account and there was an additional 10 day hold placed on my check stating funds would not be available until XX/XX/2019. I telephoned customer service and was told that my check had to be verified by my employers bank. I was told to talk to my employer. Spoke with my employer, who contacted XXXX   XXXX XXXX  XXXX, their bank, and was told that they would contact the bank. I attempted contacting Bank of America and was told 5 reps later that their verification process was online only and that they could not receive a call from the jobs bank. My job gave me a copy of the payroll check to show that it was cashed and verified by Bank of America. I walked into a branch to furnish proof that they had the funds and was told that there is nothing they could do and that no one could release a hold. As a result of this, my account is in the negative because my household bills hit. I have incurred overdraft fee 's and I have an XXXX XXXX XXXX son to take care of with no money. All of my bills have bounced and are late. Every bill I have is late because they will not release my check due to their error. By the time they release my check, I will be getting paid again.

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 2019-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: POPULAR BANK
State: NJ

Complaint narrative:
On XX/XX/2019 I received a letter dated XX/XX/2019 from XXXX XXXX, Senior Product Manager at XXXX   XXXX. This letter was in reference to complaint # XXXX to the CFPB ( Consumer Financial Protection Bureau ) for an account closed by said bank. In the letter it was confirmed that the account was closed by XXXX XXXX and an early closure fee was assessed. Also, it states that since the account closing was initiated by the bank, XXXX XXXX would refund the closing fee ( minus any incurring interest the funds gained while in the possession of said bank ) by check in the amount of {$25.00} USD. It is now XX/XX/2019 and I have yet to receive any reimbursement from XXXX XXXX. I've contacted XXXX XXXX 's customer service line and they have no record or initiation of said refund. I was told someone would get back to me as soon as possible on the matter. I'm accounting this information with the CFPB to further expedite the claim.

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 2019-10-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX I don't know, I just looked at my credit report and saw it was on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX I don't know, I just looked at my credit report and saw it was on there.

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 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have tried unsuccessfully to get an item removed from my credit report. It is a debt that originally came from XXXX XXXX for cable service. The amount of the alleged debt is {$140.00}. I had a service contract with XXXX XXXX for cable but became dissatisfied when they were bought or acquired by XXXX XXXX XXXX. I called to end my service and was told I would have to pay the amount of {$140.00} even though my original contract was with XXXX XXXX and not XXXX XXXX XXXX. My service with the company ended sometime at the end of XXXX. I believe it was XX/XX/XXXX or XX/XX/XXXX.XXXX XXXX  XXXX then sent my  account to collections within a year of my service ending. It showed up on my credit report and I did not dispute it. That debt has since been sold to several other debt collection agencies and the info listed was not correct so I disputed it with XXXX XXXX and XXXX XXXX determined it was not accurate and it was removed from my credit report twice by XXXX XXXX from two separate collection agencies. Now it has been sold again to the debt collection agency " I C System ''. 

The account was opened with them in XX/XX/XXXX. I have called IC System and requested information on that debt because the dates are invalid. I contacted them on or about XX/XX/XXXX as well as on or about XX/XX/XXXX. I have yet to receive any sort of documentation from IC System. I also disputed this debt with XXXX XXXX twice and was told they verified the debt was accurate. I asked XXXX XXXX to send me the original contract and all of my payment history because this is not accurate at all. I am currently awaiting an answer from XXXX XXXX. The investigation was supposed to be finished on XX/XX/XXXX but it is still under investigation over two months after I filed the dispute. It is clear that the debt collection agencies are reselling this debt from XX/XX/XXXX when it gets removed from my credit report and then the new agency that buys the account is listing the account as new when it is an account that is nearing it's statute of limitations. This is fraud. You can not keep a collection account on a credit report by changing the dates to show it as a new account. I have done my due diligence in requesting from both XXXX XXXX as well as IC System to send me the original contract as well as my payment history. If neither company can provide me with my requested information, then they can not prove that it is a valid debt. I would also like to know how XXXX XXXX determined this debt to be accurate when they did their first investigation in 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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance zero, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX ), account ending in XXXX paid in full, zero balance closed by consumer, account ending in XXXX, paid in full, zero balance. This accounting proves that I only had one unpaid account with Capital One.  Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX  and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as Bureaus Investment Group No. 15. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and Bureaus Investment Group No. 15 ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a checking account at Wells Fargo as a new customer on XX/XX/2019. I used a valid bonus offer code while applied the new checking account online and received the new account welcome letter along with Bonus Offer Disclosure and Additional Requirements. I met all the requirements that Bonus Offer Disclosure and Additional Requirements stated on 9XX/XX/2019 but I haven't received {$400.00} bonus as new customer opening a new checking account. 
I contacted their customer support and they replied to me that " I reviewed your credit for the promotion wasn't issued because the requirements of the campaign weren't met. This offer is intended for new checking customers only. You must have a valid bonus offer code.You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account, you are a Wells Fargo team member or if you have received a bonus for opening a Wells Fargo consumer checking account within the past 12months '' I asked them to check which requirements of the campaign weren't met : 1. I used a valid bonus offer code and received New account welcome letter along with bonus officer disclosure and requirements. 
2.I haven't received any bonus for opening a Wells Fargo consumer checking account within the past 12 months 3.I opened this account  on XX/XX/XXXX. I haven't any wells Fargo account opened at that time. 
XXXX. My employer sent my payroll of {$4000.00} using direct deposit to the checking account opened every month since XXXX. 

Since then, they never replied me back

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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all Capital One accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXXy XXXX and XXXXXXXX XXXX XXXX   XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with Capital One.  Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XX/XX/XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from  either XXXX XXXX XXXX or from XXXXl XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to XXXX XXXX that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, Experian, XXXX  and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. 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 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: NY

Complaint narrative:
Performant recovery never performed any audit in reference to XXXX XXXX office inXX/XX/2018 

XXXX then notified a healthcare insurer that an audit WAS performed inXX/XX/2018, allowing the insurer to illegally recoup {$8400.00}. 

XXXX XXXX, President of Performant and XXXX XXXX, XXXX of XXXX XXXX at Performant continue to deny this fact despite having no evidence of any audit nor evidence of any review. 
XXXX XXXX provides fraudulent information to insurers.

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 2019-10-10 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: NY

Complaint narrative:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a Trans Union credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX   and Trans Union collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. 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