vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
I received an esxrow analysis that included a sewer bill that was paid already. This resulted in my monthly payment increasing by approx XXXX more a month starting in XXXX When i called in to addess the issue in end of XXXX early XXXX they gave me instructions in how to remedy the issue. Pursuant to their request i sent a copy of the bill and receipt from XXXX XXXX County aknowledging paynent had been made to 4 different contact points ( 2 fax and 2 emails ). In XXXX i followed up to see if it had been addressed and their response was no not yet and that they would send an inquiry to the tax team. On XX/XX/XXXX i called in again and was advised they refused to aknowledge the receipts and even though they have not paid the sewer bill invoice yet that i needed to file a dispute or just pay the new mortgage payment. At that point i advised that until they acknowledge my prior efforts to remedy the issue i would not be making payment i called back today and their escalation team took the call and advised they would remove the sewer bill and re run the escrow analysis which would take up to 10 days and result in the payment being late by 4 days at a minimum. 

The treatment i received up the last contact was that of a common criminal when i never missed a mortgage payment. And after coutless hours ( at least 6 ) spent trying to be a responsible borrower i have yet to get this matter addressed. I have begged as politely as possible for them to please assist me when months later my efforts have fallen on deaf ears. I have mortgage default experience from a management level and understand the process. To think i overlooked anything is preposterous. 

I beg you for assistance as it all i have left

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I am attempting to initiate a wire transfer from my bank account at BMO Harris. However, I am unable to speak with anyone in the wire transfer  department in order to do so. I would simply like to speak with someone at BMO Harris who can help me with my transfer. I am attempting to purchase a home and don't have anywhere to live in 10 days. The burden on the consumer is unrealistic in order to access their money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not worked since XX/XX/2020 due to XXXX XXXX XXXX and an XXXX XXXX at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has tested positive XXXX XXXX we have no income coming in until he returns to the school board which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I was contacted by loan officer XXXX XXXX from Amersave, I was  pressed to get all my documents uploaded and was told not make my next mortgage payment as all would be covered within my new refinance. This was over a month ago. since the time I have uploaded all my information I have not been able to contact my loan officer since or anyone else that could assist in updating me on my loan progress.. The name and number XXXX leaves on his voice mail for his manager is not correct. I have left messages for that person along with multiple other agents I was able to get transferred to but have not received a single call back or correspondence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Asset Care LLC has placed several debts with XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00} and {$1400.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i contacted equifax on XX/XX/2020 and spoke with a representative about inquires on my credit report I sent documentation in 60 days ago and there was no response I also asked for a debt verification and validation of my debt and the representative refused to send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received front and back of checks written to XXXX  stores with my name and address which I dont have account. The secondary name on check listed was XXXX XXXX XXXX and I was required to sign and notarize affidavit to company to release myself of financial obligation. Im uncertain if any other checks have been written to other companies and dont know how to find further details on checking account because the only thing I have is copies of the checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
I was contacted by, what I believed to be XXXX XXXX, " the Company, '' regarding a potential 'work at home ' position. I applied, went through the " hiring '' process and was " hired '' by a supposed representative of the " Company. '' ( Exhibit A ) I received and signed a Non-Disclosure Agreement and Appointment letter on XX/XX/2020 ( Exhibit B ). 

The Company sent me a check for {$2800.00} ( Exhibit C ) to purchase home office equipment of their specifications. I was told to deposit the check, then purchase XXXX gift cards to make the office equipment purchases through XXXX because of " their supposed discount agreement with eBay. I deposited the check into my US Bank ( the " Bank '' ) account on XX/XX/2020 and US Bank made the funds available to me on XX/XX/2020 ( Exhibit D ). I purchased the XXXX cards on XX/XX/2020 and sent the Company the pertinent numbers from the back of the cards. 

Later on the day of XX/XX/2020 after purchasing the cards, the Bank reversed the {$2800.00} deposit, took the {$1400.00} I had in the Bank before the purchase and this took my account to a negative balance of the entire amount including the amount already in my account. 
On XX/XX/2020, I had an appointment with a Bank Branch Manager to, at their suggestion, submit a claim with the Bank ( Exhibit E ) alerting the Bank of the potential fraud, hoping the Bank would agree to work with me and accept some responsibility for allowing these funds to be placed in my account and making these funds immediately available to me. The Bank did not. Instead, the Bank has requested in its written correspondence to me ( albeit untimely after the funds were made available ) that I am responsible for returning ALL of the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I authorized a transaction for attorney services to be provided to me by XXXX XXXX XXXX XXXX office. The attorney had agreed to file my divorce papers in the court but did not file any papers in the court. I had followed up multiple times but I didnt get any response and was cited various reasons ( computer carshed, death of relative etc ) later. I contacted the merchant on XX/XX/XXXX after waiting patiently and she denied to return the amount I disputed the transaction on XX/XX/2020 but the bank has now denied my dispute mentioning that my transaction is authorized. This case is about services not provided to me by the merchant and charged me XXXX $ for the same. I sent all the communication to bank mentioning how merchant failed to provide the service and negligence on the behalf of providing service by merchant but I have been denied the refund. 

Attaching all the communication with merchant for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
On the day of XXXX, XXXX, XXXX, I received an email from Chime bank notifying me that my account has been suspended. After complying with numerous requests to verify my identity, two months later I received an email " terminating our relationship ''. Contacting this institution is sysiphissian. The only people with authority to speak on the matter are email only and the last ten emails have been automated response. I have done nothing but comply to their requirements. I was entitled to UEI, which was fine for the first few weeks. Then I received a lump sum for back pay, 12 weeks and this is my current situation. Currently I'm in the XXXX to be married. I left the XXXX of XXXX. Received my last UEI payment XX/XX/XXXX. Have not collected it while overseas. The inconveniences, distress and trouble this situation has caused in my life is immeasurable. I chose post taxed deposits. As - XXXX $ XXXX. XXXX $ XXXX. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ XX/XX/XXXX - XXXX $ - XXXX $ final payment. 
Balance at closure XXXX XXXX 

Any information you need in this matter I will be happy to provide. Thank you for your time. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: GA

Complaint narrative:
United Revenue has placed a debt with XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are a listing for the following amount : {$1000.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: FL

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I logged into my Wells Fargo mobile app as I usually do in a daily basis to manage my accounts, only to discover that my checking account was charged for four ( 4 ) separate transactions equaling to {$49.00} in the state of Georgia which i have never been to. I immediately called Wells Fargo Bank and let them know of the situation, they proceeded to cancel my debit card and send me a new one, as well as opening an investigation. Wells Fargo Bank is refusing to reimburse me for my loss stating that my " pin was used '', even though I only had one ( 1 ) card for that account and I am the only person that has ever known my pin for that card. I also argued that i used that card on the same day as those fraudulent transactions-in a different state. How could I be at two different states at once for physical transactions? I requested an appeal from Wells Fargo 's Fraud department but unfortunately they are refusing to resolve this matter and reimburse me even though I caught and reported the four fraudulent transactions within just a few hours of when they made. As a long time, faithful Wells Fargo customer, with multiple accounts and direct deposits, I am truly offended and upset at how they have responded to me. The only positive thing of all this is I'm glad I got to see the true side of Wells Fargo bank before I cashed out my 401k account, as I will be using a more reliable bank with better customer service for my deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters states that I owe 2 debts for {$300.00} and another amount for a a company called XXXX, which I know nothing about. I have asked to receive validation of debt and want to see the supporting documents and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: FL

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I received a EIDL loan from the sba 10 days ago in the amount of {$140000.00}. It was deposited into my personal account as I am a XXXX XXXX and am in the process of creating a XXXX  and obtaining a tax   identification number. 

All of the funds in my Navy Federal Credit Union account are being held by the security department and my account is under review. 

When I spoke to the security department all they told me was that a investigator is reviewing my account. 

Gave me no time line for a resolution, wouldn't take any documents I offered and wouldn't transfer me to a supervisor when asked. 

I was approved by the SBA using my ssn number and have no idea why the bank can arbitrarily freeze my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i called transunion on XX/XX/2020 to get inquires dropped off my credit report i mailed documentation 60 days ago they said they haven't received it asked them what is next option they want me to send information 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 explanation