vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
AmeriSave failed to close on mortgage application, three times, despite closing signatures. Over 130 emails and phone calls have been made to attempt closing without success. 

Approximately XXXX XX/XX/XXXX, a mortgage refinance research was conducted with AmeriSave ( Loan estimate XXXX ). Due to military assignment XXXX, official application for refinance was not initiated until XXXX XX/XX/XXXX XXXX XXXX number XXXX ). At that time, an application fee of {$500.00} was paid, E-Sign disclosures completed, endless verification documentation provided, and home appraiser visit scheduled. The estimated interest rate was 2.625-2.75 % over 30 years but AmeriSave recommended a " floating rate '' as rates were decreasing. On XXXX XX/XX/XXXX, a home appraisal was conducted with several photos taken by the appraiser. XXXX XX/XX/XXXX, XXXX sent a congratulatory note on new loan. On XXXX XX/XX/XXXX, closing disclosure was signed and completed at 2.875 % APR ( 2.75 % ). On XXXX XX/XX/XXXX, a reverification of AmeriSave rates based on my previously submitted information stated a 2.5 % was available. AmeriSave was contacted to request this new rate on XXXX XX/XX/XXXX as I had a floating rate but was informed that offer was not available due to additional costs, despite AmeriSave providing the new 2.5 % pre-approval estimate. Regardless, proceeded to closing on 2.875 % APR for XXXX XX/XX/XXXX ( First attempt ). Additionally, AmeriSave was notified on several occasions that as a XXXX military Service Member, my spouse would conduct the signing with a Special Power of Attorned ( POA ) acting as Attorney-in-Fact. AmeriSave understood this arrangement. On XX/XX/XXXX XX/XX/XXXX, XXXX was notified ( verbally and email ) that the digital XXXX documents ( via email ) to be signed prior to XXXX XX/XX/XXXX closing with AmeriSave notary had not arrived. AmeriSave stated they would look into it, but without resolution. On XXXX XX/XX/XXXX, AmeriSave contracted Notary arrived but was not aware that a POA would be used and documents signed by my spouse, he therefore said reschedule and terminated closing. Post first closing incident, AmeriSave management XXXX XXXX XXXX XXXX got involved and apologized for situation and stated he requested to have application fee reimbursed prior to rescheduled closing for XXXX XX/XX/XXXX. On the second closing attempt, XXXX, AmeriSave contracted notary, arrived and signed all documents with my spouse. Other digital documents provided through XXXX were signed prior to XXXX 's arrival, per AmeriSave instructions. Subsequent to all signatures, email notification was received from AmeriSave o/a XXXX XXXX apologizing for still not funding the contract after closing. Another closing was requested for XXXX XX/XX/XXXX with multiple Notaries communicating they would be at the home to resign documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple card that was hacked on XX/XX/XXXX in the middle of the night there were the below charges to my card. 
XXXX {$950.00} XXXX {$39.00} x2 XXXX XXXX {$500.00} x3 XXXX {$950.00} XXXX XXXX  {$240.00} XXXX {$24.00} XXXX {$29.00} x5 In the morning I work up to an alert on my phone that Apple had declined some attempts to use my card that look fraudulent. I call Goldman Sacks right away and reviewed all of the charges above and confirmed they were all fraudulent. Goldman Sacks looked into this and reverse all of the charges that did go thru. 

On XX/XX/XXXX the XXXX charge of {$950.00} went back on my card. I reported it again, Goldman Sacks reversed and looked into the issue. Keep in my this was the first charge on the night my card was hacked and then the series of other attempts happened right after that first one. 

On XX/XX/XXXX I see that the charge was put back on my card. I call immediately and disputed. On XX/XX/XXXX I received and email from Goldman Sachs that this card was resolved in my favor and has been perinatally removed from my card. 

Sometime in XX/XX/XXXX this {$950.00} charge showed up on my balance again. I called into customer service and reported it and told the story and gave all the timelines of the night I was hacked. I asked if this could be escalated as I was not please that this was put back on my balance again. I have been call at least once a week asking why this has not been removed and no one calls me back with resolution. 

I am very concerned, due to the fact that I have an impecable credit score with a 100 % on time history in payments. I am getting emails that my balance is past due. This in no way should be reported to any credit bureau and effect my credit standing. 

Please help in resolving this with Goldman Sacks as I can not get them to return my call. 

Thank you in advance for your time and attention to this email. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

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 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I was in an accident that totaled out my XXXX XXXX XXXX in XXXX, I had purchased GAP insurance with the vehicle and it paid the remainder of the loan. Westlakefinancial then released the lean on the title and sent it to my GAP insurance company signifying the remainder of the loan had been paid. Unknowingly Westlake financial hadnt include my last payment due, in with the remainder balance, to be paid by GAP. Its been impacting my credit in a bad way for years now and they will not work with me to help resolve the issues.

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 2021-02-22 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

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 2021-02-22 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: Global Lending Services LLC
State: AR

Complaint narrative:
I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX rental charged over {$19000.00} to my Texas Workforce Commission unemployment prepaid debit card backed by US Bank. US Bank investigated fraudulent activity in XX/XX/2020. They found the fraudulent activity to be true but did NOT refund the money. They closed the case and gave me no recourse.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
Hi, Better Mortgage ( XXXX  ) collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I checked  county website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the Better.com customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed the county website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with Better Mortgage ( XXXX  ) to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Haven't responded to my letter requesting Verification. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My mother is XXXX XXXX XXXX, legally XXXX and lives in another state. I have full power of attorney including financial power of attorney I am missing several key medical expenses that I need as soon as possible to file her tax return. She has a costco citi card. I work full time and am trying to do this at XXXX in the morning before work. My time is very limited. 
I called Citi, was on hold and finally was transferred to a manager -- XXXX employee number XXXX. He refused to help me and REFUSED to transfer me to his manager. 
He insisted that I MAIL the confidential power of attorney for processing. This is a confidential and time sensitive request. I need the medical expense NOW I am FULLY holding CITI responsible for refunding my mother 's taxes because they refuse to provide the information that I have a LEGAL right to in a TIMELY manner. 
Every single financial and consumer business has asked me to email or fax the POA. I am struggling to understand why CITI consistently treats their customers like trash. This is by far the WORST credit card company I have had to deal with. I have NEVER filed a complaint with the CFPB until I had to interact with CITI. I am also requesting that COSTCO sever their relationship with CITI

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital is reporting an account on my credit report that I have not received any communication from them about. The account is reporting with a company called XXXX XXXX. I have not received any documents or letters from Jefferson Capital about this account. The account just showed up on my credit report in XX/XX/2021. Now the company is calling me repeatedly. As far as I know Jefferson Capital was required to send a letter to me before reporting this account on my credit report so that I could have a chance to request validation. The company did not send me this letter. They have not sent me any letters. Nothing. This account should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I started a streamlined refinancing process with Mr. Cooper. I submitted all of the required information, and by XX/XX/XXXX, nothing had been accomplished. Mr. Cooper failed to provide me the necessary updates I requested and it was a nightmare trying to get in touch with anyone. Once someone did call me, they said the process was almost completed and to NOT make my mortgage payment for that month, until she told me to do so, because that would mess with the refinancing process. I waited and the CS representative never called me back. Finally, someone different did call and said the information I was given was wrong, and because I missed a payment, we couldn't move forward with the process. I filed a XXXX complaint and nothing was really accomplished. The Mr. Cooper representative who contacted me was rude and tried to intimidate me. Finally, Mr. Cooper agreed to remove the " late '' record from my credit. I submitted the requested information on XX/XX/XXXX, and I still haven't gotten an answer from them as of today, XX/XX/XXXX. I have sent multiple emails to the person I submitted the information to, and her two supervisors and no one has contacted me to give me an update. I am frustrated because of the lack of communication and professionalism from Mr. Cooper and her representatives. I have tried to be patient due to the covid situation and the fact that they might be short-handed, but I am trying to sell my house and buy a new one and this is keeping me from it, so I might even start losing money on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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:
Hello The problem that I am having are listed on the previous selected options. 

Thank you

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TX

Complaint narrative:
I am filing this complaint because Capital One and the 3 major credit bureaus has ignored my request stop reporting the negative account that was closed due to fraudulent activity following the theft of my wallet. I reported the theft to Capital one and made every effort to fix the issue to stop any negative reporting on my behalf. I have provided them with my police report and identity theft affidavit supporting this. Capital One claimed to have completed a transactional fraud investigation on XX/XX/21 and failed to provide me with the results or a resolution. 

My rights under the FCRA have been violated. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. This inaccurate reporting alone has continued to negatively impact my credit worthiness. 

Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation