vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 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:
In XX/XX/XXXX, AmeriSave promised us that we could safely pay {$470.00} for their required appraisal while we still shopped for better rates with other lenders, because they ( AmeriSave ) would beat anyone 's offer by {$500.00}. 

They then failed to follow through, costing us not only an additional {$520.00} for a second appraisal needed to close the loan with another lender, but also cost us our planned vacation, by dragging the loan on for five months into the COVID-19 restrictions on travel. 

When I presented AmeriSave with that better offer by XXXX XXXX in XX/XX/XXXX they said they could not match or beat it, while not allowing us to use our AmeriSave 's appraisal elsewhere. 

We would not have authorized that first appraisal for AmeriSave if they had not promised that we could still shop for better rates and that they would beat any offer by {$500.00}. XXXX XXXX then closed the loan for us is XX/XX/XXXX, after we had to pay for a second appraisal and with it now being too late to have the travel vacation we had planned for This was a bait and switch, for which I have every email communication with AmeriSave to prove my claims. 

Then I saw AmeriSave 's class action lawsuit from XXXX, saying the same scam cost them {$19.00} XXXX in XXXX. Can you please help us and others who have been burned this way with another class action lawsuit against AmeriSave? 

In XX/XX/XXXX, we asked AmeriSave to reimburse us for the {$470.00} wasted on their appraisal, and they have not responded - even after several emails and calls to the agent and their customer service department, vowing to report them to the XXXX  and XXXX reviews. 

Now, we feel we are also entitled to punitive damages as well, for the loss of our vacation due to AmeriSave 's dragging the loan into the COVID-19 travel restrictions. 

Thank you. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
These ppl are XXXX of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: GA

Complaint narrative:
I have XXXX on my Credit report as if they were still relevant but they were included in my bankruptcy And had the chance to dispute the bankruptcy back in 2015 but did not, I have disputed this creditor a good bit of times, I have sent letters to XXXX and XXXX with proof but nothing has changed.y bankruptcy lawyer admin XXXX XXXX at XXXX XXXX XXXX bankruptcy lawyers also tried to get it done for me with the paperwork they have. I have researched XXXX in their claims with other Consumers and this is an ongoing thing with them. This account I had with them should not be showing collections under XXXX, it should be showing closed and paid or paid through bankruptcy. This is a huge problem and I dont believe that experian is ignoring everything I am sending them regarding this. This needs to be investigated, me thing o try to do is keep my Credit clear especially right now since o am trying to buy a house. With my own responsibilities and just trying to make it, I shouldnt have to deal with this so much. But I wont stop here until XXXX corrects their injustice actions and not only To me but others. 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 non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN XXXX Their website will not allow you to update incorrect information on my personal credit report. 
The fraud alert placed in 2019 shows an old, outdated cell phone number. 
When current creditors access my credit report, they call the old phone number. Then when there is no way to reach me, they call me at my cell number on file with my account with them - asking me to either updated my cell on the alert or have it removed. 
I literally have called in ONE day, 7 times and been on hold for over an hour trying to speak with someone in the Fraud Dispute department. 
I am either transferred to a non-working voicemail or left on hold for over 40 minutes, then disconnected. 
Their website does not grant you access to do the update/dispute yourself. 
Experian will not allow you to speak with a supervisor to get assistance.

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
My cousin passed and I became the Successor In Interest on the mortgage. The house was deeded over to me about XX/XX/XXXX, or one year ago. 

Since XX/XX/XXXX, about three weeks ago, I and my title company have been trying to get Rushmore Loan Management Services LLC to send a Mortgage Payoff Estimate. Rushmore has lied and dragged their feet about creating this loan payoff estimate. Most other mortgage servicers accept a borrowers telephone request for the Mortgage Payoff. The other mortgage services do not require anything in writing to get the Payoff Estimate. It is time critical that Rushmore respond immediately with the Loan Payoff, good to XX/XX/XXXX. This must occur today and with no more delays!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau XXXX : This account has been paid and is still reporting a balance on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In 2005 I refinanced my house. At the time of refinancing Wells Fargo had my mortgage. Now that rates are so much lower than they were in 2005, I am refinancing again IN HOPES of getting a better rate. When the attorney was doing the title work they discovered that Wells Fargo DID NOT release my mortgage to the company I refinanced to when I left them in 2005. I have called the numbers listed on their website numerous times but because I don't have an account number with them, they can't help me. I offered them my SS #, birthday, etc. but was told that they can't " search for it that way. '' CLEARLY, I don't have an account number nor a loan number because I left them in 2005. Last Thursday, another worker gave me a fax number and instructed me to send a written correspondence to see if that department would check their archived records ( evidently info from 2005 isn't in their computer database ). I called Wells Fargo back today ( one week  later ) and they have no record of any correspondence made by me. I have a fax receipt that my fax was indeed sent last week. 

I need help resolving this because if too many more days pass, my " better interest rate '' will go up and I will have to pay fees. Please help me!

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 2020-07-09 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: CA

Complaint narrative:
I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.

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 2020-07-09 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: CA

Complaint narrative:
I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
SHELLPOINT MTG SERVICING FIRST TOLD ME ( AND PROBABLY EVERY ONE ELSE ) I HAD TO MAKE A BALLOON PAYMENT AFTER MY FIRST COVID-19 RELIEF EXTENSION. THE CARES ACT THEN CLARIFIED THAT THE CONSUMER DOES NOT HAVE TO MAKE A BALLOON PAYMENT. NOW THEY ARE SAYING I MUST PROVIDE DOCUMENTATION AT THE END OF THE FORBEARANCE PERIOD WHEN THE CARES ACT LAW CLEARLY STATES NO DOCUMENTATION NEEDED. NO DOES NOT MEAN NO IN THE BEGINNING BUT YES LATER. NO MEANS NO.THEY ARE TRYING TO CIRCUMVENT THE CARES ACT LAW BY REQUIRING DOCUMENTS AT THE END OF THE FORBEARANCE PERIOD EVEN IF I'M JUST DEFERRING THE PAYMENTS AS ALLOWED BY THE CARES ACT LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Bank of America account # XXXX, credit limit {$33000.00}, that occurred due to my email being hacked. ( See Attached proof ). 

In XXXX, XXXX my XXXX email ( XXXX ) where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 

Again, this was a situation that I could not control. Anyone can be a victim of identity theft. I had over {$45000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

As a courtesy, I am requesting that Bank of America make a goodwill adjustment and remove the late payment from my record. This account was closed, but I have been with you since XXXX ( with another account ). You have been my bank for a long time. 

See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds Thank you for your consideration. 

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 2020-07-09 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: CA

Complaint narrative:
I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXX, XXXX has sent out several confusing letters attempting to collect a dent for American Express in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. XXXX XXXX XXXX XXXX is a debt collector but American express is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with XXXX XXXX XXXX XXXX and give them permission to have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/2020 an unauthorized transaction charged to my account and in XXXX when I became aware of this charge I disputed the transaction. The transaction was reversed on XX/XX/2020, however the interest charges and late fees incurred due to the original charge remain. I did receive a letter stating that the dispute was resolved in my favor, yet I am still being charged because of it.

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 2020-07-09 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX I purchased an item AMAZON MARKETPLACE XXXX WA XXXX XXXX Portable Propane Wat SHIPPING AND TAX I did not receive the item. The record and available information clearly confirms that I did not receive the item. I filed a dispute with Synchrony. Synchrony responded that it would investigate my dispute while also providing a temporary credit to my account for the disputed amount. No temporary credit was provided, and Synchrony refuses to respond further. I have requested an accommodations under the ADA Title III from Synchrony, which they have ignored in violation of the ADA.

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 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
All of my credit cards and loan accounts are set to auto payments. I have never been late for any credit card payments. 

Citicards cancelled my autopayment on one of the cards in XXXX. I did not receive a single email or phone call regarding this. I received a call 34 days after the due date regarding the late payment. I immediately made the payment and called Citicards to  clarify the matter. Citicards credited the late payment and told me that they are not reporting this as a late payment due to COVID. 

I monitor my credit score and received a notification a few days later that Citicards had indeed reported this as a 30 day late payment. I called Citicards back and went over the situation again. I finally spoke to a supervisor that understood my issue and told me that they would report this as a banking error and the late payment flag would come off in the next 30 day cycle. Unfortunately, that did not happen. 

I have raised this issue with Citicards many times since the last couple of weeks but am not having much luck. 

Citicards cancelled my autopayment without proper notification. No email, secure message or phone call. Under CFR Part 1026.10 - Payments Section 10 ( f ) -4.v, if the card issuer can not charge a late payment for 60-day period, then the payment should not mark as late either.

CFR Part 1026.10 - Payments Section 10 ( f ) -4.v v. A consumer has elected to make payments automatically to a credit card account, such as through a payroll deduction plan or a third party payor 's preauthorized payment arrangement. A card issuer changes the procedures for handling such payments and as a result, a payment is delayed and not credited to the consumer 's account before the due date. In these circumstances, a card issuer may not impose any late fee or finance charge during the 60-day period following the date on which the change took effect for a late payment on the 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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2020 I settled and paid a debt with Enhance recovery collection agency then requested that the account be removed from my credit report because Im trying to buy a house. My score dropped down 35 points because of this and Im still trying to recover from this point drop. I was told that they do not remove anything and that a manager would call me back. 

I was passed around from one agent to another and none we able to help me. As of today, I have yet to receive a call from a manager and the collection remains on my report and has a huge NEGATIVE red for the month of XXXX when this was legally paid in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a member of TXXXX XXXX XXXX XXXX XXXX. We are a Federally Recognized Tribe within XXXX XXXX. Under the US Treaty of 1855 we are a Sovereign Nation within the US. and not required by law to own a State Business License. 
I opened an account with Chase Bank on XXXX XXXX XXXX, Wa. on XX/XX/2020 XXXX XXXX XXXX XXXX. 
I was approved and received an Economic Injury Disaster Grant. My Grant was deposited into my private account on XX/XX/2020. 
I have a XXXX XXXX  with my XXXX XXXX  and have had this for many years. Chase Bank has decided I am not legally eligible to receive this Grant under my private account and refuses to release my funds.

The SBA Loan officer who approved my Grant has stated I am in fact eligible and the Bank can not withhold my Grant. 
Because I am a XXXX XXXX XXXX I feel I am being discriminated against and that the laws meant to protect me as a US citizen are being ignored by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reached out to all my creditors including care credit as I was closing some accounts and making payment arrangements you see late 2018 I lost my only brother and had to help my mother financially since then, My brother was hit by a car and taken suddenly so no time to plan. But trying to make good with all my creditors I put this account with care credit closed status and to withdrawal {$10.00} monthly from my bank account they then unknowing to me sent the account to collections drastically hurting and impacting my score leaving other creditors to believe I do not pay my bills and is false ; I have other synchrony accounts that are almost paid off or paid off in full.

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