vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I first contacted Amerisave on XX/XX/2021 to refinance my home loan. I was put in contact with Loan Specialist XXXX XXXX. XX/XX/2021 I paid for the {$500.00} Application fee and asked them to include my girlfriend on the loan just like she is right now. XXXX told me that they would have to transfer the {$500.00} to a new loan and that he has to wait for a manager to do it. It is now XX/XX/2021 and the fee has not been transferred. I've emailed Amerisave over 16 times and probably called and left twice as many voicemails. I also have complained to XXXX XXXX at Amerisave, and still, no one has called me. This company has wasted my time and stole my money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: V and H Portfolio
State: GA

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : VANCE & HUFFMAN LLC Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: TX

Complaint narrative:
Equifax : I'm dealing with an XXXX XXXX account that was charged off in XXXX and sold to a collection company : Resurgent in XXXX. There's a Field on my Equifax credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
XX/XX/XXXX shows a payment history and Equifax do not show a payment history. XX/XX/XXXXreport shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi This complaint is about COINBASE who are holding {$2900.00} of my money and refusing to credit my account with amount. I have requested several times for its return through creating a new transaction to return it from whence it came, the only response being an automated negative rebuff, although it does state they have my transaction. 

On the XXXX20 I sent the money to coinbase AFTER THEY GAVE ME A TRANSACTION ADDRESS to receive the money. I have checked this address and it is correct. 

I have contacted organizations who specialise in these matters and are able to assist coinbase to create new transactions to return monies owed, but state that although coinbase are able to help they are refusing with feeble excuses. 
Coinbase are able to help as they hold the key address. 

I have checked on line and there are many complaints of the same problem and coinbase are holding hundreds and thousands of Dollars belonging to customers and refusing to return the money. 

If they do not want to deposit the money in customers accounts then they should automatically reject and return the funds. 

Many thanks Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with Experian and XXXX. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus XXXX  and Experian failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against XXXX and Experian because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE

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 2021-01-12 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 — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear Sir, I have a TD card that I used, and I am always making my payment on time. 
I hardly missed a payment. During COVID, I struggle to pay my billed due to covid but I do pay way payment beyond the minimum payment. I was late with one of my payments and TD charge me a late fee of XXXX. I called TD and explain why my payment was late due to COVID but they refuse to listen and refuse to waive the XXXX late fee. 

I am not asking TD to suspended my payment, I am just asking to wave the late fee of XXXX, and they refuse. Please help me get this late fee waive. 

Your assistance will be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: WI

Complaint narrative:
The company knowing, willing and intentionally reporting false credit information to all 3 credit agency 's in there effort to deny my right to cancel private mortgage insurance. 

On XX/XX/2020 I requested the cancellation of PMI insurance and was denied. On XX/XX/2020, I made a second request and was again denied. On XX/XX/2020 I made a XXXX request and in XX/XX/2020 the company falsely reported that I was more than 30 days delinquent in making my XX/XX/2020 payment. On XX/XX/2020 my 3rd request was again denied for being more than 30 day late in making my XXXX payment. 

On XXXX XXXX I was denied a personal loan from a financial institution that I had a perfect credit relationship with for more than 5 years due to the false XXXX reporting by the company.

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 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  : I'm dealing with an XXXX XXXX account that was charged off in XX/XX/XXXXand sold to a collection company : XXXX in XX/XX/XXXX. There's a Field on my XXXX  credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
Transunion shows a payment history and XX/XX/XXXXdo not show a payment history. Transunion report shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its not.

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 2021-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX, I was called from the credit card company to notify me that my payment was last due. I immediately paid my account in full. In XXXX there was an interest charge of {$2.00} that I was unaware of. Due to being unaware I missed that payment which caused a late payment. I was never called nor emailed about these charges. This continued on until XXXX when I logged into my account and noticed this. I immediately paid my account in full. 

I am disputing this because to my knowledge my account was paid in full in XXXX. I was unaware of any additional interest charges and the credit card company NEVER notified me of these charges. They have always notified me in the past, and you can see by my payment history I have ALWAYS paid my credit card on time.

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 2021-01-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased a XXXX smart watch on XXXX XXXX, 2020 for the amount of {$470.00} in Best Buy and returned the smart watch in the store on XXXX XXXX, 2020. 

The amount ( {$470.00} ) was not credited back to the original credit card. 

Attempted resolve this matter since XXXX and the fund of {$470.00} hasn't been issued.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with XXXX  and Equifax. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus Equifax and XXXX failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against Equifax and XXXX  because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
NAME : XXXX XXXX address : XXXX XXXX XXXX XXXX, tx XXXX FOR THE LAST 3-4 MONTHS equifax has been reporting an account that is not mines. I have asked for proof of the inaccurate account that they are reporting and they failed to provide me this information. I have never went to online school. This account XXXX XXXX Account Number : XXXX is inacurrate and Equifax failed to remove this fraud information from my report. I have called this XXXX college and they have no record of me, why is this on my report. Equifax failed to obey by the FRCA law. THIS ACCOUNT IS NOT MINES WHY IS IT ON MY REPORT. Equifax needs to remove this account from my credit report within a timely matter. Its been3-4 months and that have yet to send me proof because this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Good afternoon, I have a Chase Sapphire Reserve credit card. It offers travel miles which can be used to book hotel reservations through their portal. 
A hotel reservation at XXXX XXXX XXXX XXXX was made on XX/XX/2020 through the XXXX XXXX  on Chase website for a stay from XX/XX/XXXX to XX/XX/XXXX. I used XXXX miles to make the reservation ( XXXX $ value ). 
Upon arrival to the hotel, it turned out that the hotel is closed since XX/XX/2020 ( 6 months before the reservation was made ). 
I immediately contacted Chase XXXX XXXX program to get a refund, they said that in order to give me a refund, they have to contact the hotel to get an authorization for the refund. I had to book a different hotel ( XXXX XXXX ) for a value of {$950.00} $ since it was a late reservation. 
Since then, they made multiple attempts without a response. I had called Chase numerous times and received the same answer, they're still waiting for the hotel to email them back with an authorization. 
Attached documents include the confirmation of the reservation at XXXX XXXX XXXX that was made after the hotel was closed, copies of the emails that i received from Chase saying that they're still waiting for a response, a picture of the sign the hotel has on their front door stating that they're closed, a picture of their website stating that the hotel is closed, a copy of the new reservation confirmation which was made on XX/XX/XXXX ( the date of the original check in ) and a copy of the new hotel reservation transaction. 
I appreciate your assistance with this regard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: DISCOVER BANK
State: NM

Complaint narrative:
I OPENED AN XXXX XXXX ACCOUNT. I CANCELLED IT XX/XX/2020. I deleted my credit card information from the XXXX XXXX information at the same time as closing the XXXX account. XXXX sent confirmation emails of the closing of the XXXX XXXX XX/XX/XXXX and XXXX. But they billed my credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I tried to contact XXXX, but b/c my account is closed I can not get into their system any longer. I contacted Discover XX/XX/XXXX. They did nothing. I contacted them again today when i saw the new XXXX charge. They have given me provisional credits. But if XXXX doesn't agree, those charges will be reinstated by Discover. 
I also complain about how very difficult and complicated it is to close an XXXX XXXX account. A " help '' website for the problem states it requires 15!! fifteen steps. I think this is a clear sign of abuse of their consumer services. I represent elderly people and this is exactly the kind of misleading abuse that causes people to be overcharged and give up trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Problem with personal statement of dispute
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
BAY ARE RECEIVABLES add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, BAY ARE RECEIVABLES has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I received a XXXX XXXX letter from XXXX XXXX, Senior Vice President, Lakeview Loan Servicing LLC to refinance my current VA mortgage via the VA XXXX XXXX XXXX XXXX XXXX ( XXXX ) program. The offer promised ; ( 1 ) 2.508 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of {$160.00} per month and ( 4 ) no out of pocket cash The offer was good until XX/XX/XXXX at XXXX EST. I called on XX/XX/XXXX and spoke with a loan officer. After setting up an account, multiple phone calls, hours waiting for call backs and several hours providing documentation I was told I could refinance at ; ( 1 ) 2.75 % APR, ( 2 ) new loan amount of {$230000.00}, ( 3 ) savings of only {$50.00} per month and ( 4 ) I would have to bring {$2700.00} to closing Lakeview Loan Servicing LLC has false advertised. I refused to refinance with this company. They were unable to meet any of the four promises they made in the 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 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I have been harassed by EOS CCA, and my credit credibility is tarnished because they have a collection debt on my credit reports that does NOT belong to me. My name is NOT XXXX XXXX! How is this even possible for someone to falsify information and add it to one 's credit report and defame my character? I DO NOT OWE THIS DEBT! Remove Immediately or I will take you to court for defamation of character and pain and suffering.

Company response to consumer: Closed with explanation