vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
To whom it may concern, This complaint is against AMERISAVE MORTGAGE COMPANY. 

I started the home refinance process on Wed, XX/XX/XXXX, at XXXX XXXX. I paid Amerisave Mortgage Company a XXXX $ application fee, and an assumed XXXX $ fee for their " appraisal '' process ( which came back surprisingly low. ). I was told by the Amerisave company that this valuation being lower than what I estimated during my application will have an impact on how much I will pay to cover the costs at closing. Imagine thus my surprise, when I was initially told that I would not incur any fees beside the application fee in the beginning. 

Today is XXXX, XXXX, XXXX, at XXXX XXXX, and I have not heard from them. No customer service, nothing to actually comfort me, nothing. 

Yet, they send me unsolicited robot messages, they don't answer to my phone calls, XXXX, and they reply to my emails arbitrarily. Above all, I don't even have access to my application on their portal. They ask me to download/upload documents on a portal I don't have access to. They never fixed it, and I don't believe they even care. 

See, these people baited me into believing that they had the best rates to refinance. Well they did at the time, and the numbers looked great. However, no refinance takes more than 4 months. 

" We have to create an escrow account for you to cover taxes and insurance so we take 6 months worth of your escrow and that gets rolled into the loan so your current lender will cut you a check and refund you what you have in your escrow account with them after we close. '' was the last useful message I got from these people on Fri, XX/XX/XXXX, XXXX XXXX. 

Everything seems dead there - and due to the lack of visibility I am filing this complaint. I also saw evidence of class actions against this same company in the past, and it does not comfort me at all. There is a strong presumption that they could still be involved in deceitful, harmful and unlawful practices. 

I hope it makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was a customer of America Express for almost 15 years. 14 yrs 5months. My card was at a zero balance for well over a year. My credit score is higher now than when my card was issued. My card was  canceled with out any communication. A letter or notice was not sent or received as the rep stated and no phone call or any communication at all. My card was cancelled without notice. It makes no sense. Its ridiculous to cancel a card of a long time client who has a better credit profile now than when I became a client. Especially without notice. As a banker this does not sit well. This should be updated as closed by customer as I wanted to do over a year ago! This is the worst possible service you can provide. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX is continuing to block my attempt to payoff a court ordered judgement. They have blocked my number & XXXX in the legal dept is avoiding contact with me. I contacted Hunter Warfield on Wednesday XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. The Fair Debt Collection Practices Act ( FDCPA ) prohibits the addition of any interest, services fees, collection costs or other expenses incidental to the original debt unless it is expressly authorized by the agreement creating the debt I have expressed to XXXX XXXX that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgment that XXXX received against me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, Precinct 4, place 2. Hunter Warfield is in violation of the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 
Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine : I notified NCA of this on XX/XX/2020. I spoke with Manager XXXX XXXX. I informed him of my concerns of fraud, and he refused to escalate the matter. I was told a man named XXXX XXXX would reach out to me. I never received a call. 

Dispute-2 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 


I am the victim of identity theft and I do not recognize XXXX or more of the accounts on my report. I contested this account when it was under a different creditor. They were unable to validate its legitimacy. Then it was removed, I do not know how they were able to sell its debt to NCA. But knowingly selling false debts is fraud and Illegal. 
Dispute-3 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD Bank USA/Target is falsely reporting that I made a payment on a charged off account that I have disputed. I have written to the bureaus to request an investigation three times. The first time they did not notate the account was in dispute or delete the account. XX/XX/XXXX only sent me an updated copy of my credit report showing the account is in dispute but they did not delete the account. After not receiving a response from XXXX XXXX and XXXX after almost a month had passed ; I found although neither of them did not respond to me in writing they both updated the account as being in dispute and they did not delete the account. 

The second time I wrote to them to request they delete this account based on inaccurate reporting, instead of them deleting the account they updated the account with TD Bank USA/Target falsely reporting that I made a recent payment on the account, which I did not, and they did not change the last activity date and the amount they claim I owe did not decrease. I wrote to the bureaus a third time to request they investigate how the payment was made, by providing me with proof of the payment whether it was a money order, check or confirmation from my bank as is my right. I have not received any proof whatsoever and the account is continuously being reported and not deleted by the bureaus. They are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I USED MY JPMORGAN CHASE BANK, TRANSFER MONEY SERVICE XXXX. 
MADE A {$480.00} TRANSACTION ON XX/XX/2020, WHICH IT WAS A SCAM, I ASKED MY BANK CHASE TO HELP ME RECOVER MY FUNDS, THEY TOLD ME THE CAN'T.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 my debit card was stolen and used i did not know until the morning of XX/XX/2020, when i called Capital One Bank i had {$1600.00} dollars of unauthorized pending purchases, i live in XXXX these purchases were made in New Jersey, i notified Capital One Bank immediately, i filed two claims with Capital One they denied both claims and are refusing to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I lived in XXXX XXXX XXXX in XXXX Arizona from XXXX - XX/XX/2016. I gave the leasing a 5 day notice to fix or I would be released from lease. The apartment had toxic mold beneath bathroom sink and washer/ dryer. You could not breathe in that apartment and they refused to do anything and I had kids in that house. My daughter and I were constantly in the hospital because of XXXX problems so we moved out when nothing was done. I gave them my phone number and forwarding address and told them I was moving out. I never received any documentation from them or anyone. A year later I checked XXXX XXXX and found they reported a {$7600.00} collection from national credit services without ever notifying me I owed a debt. I have tried disputing this with them and the credit bureaus but get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cumberland Financial Services, INC.
State: KY

Complaint narrative:
I obtained an interest free loan from Cumberland Financial Inc, XXXX, KY, for a hot tub I purchased in XXXX of 2020. This was supposed to be interest free or same as cash for the duration of the loan. However, Cumberland Financial has added interest onto the loan stating that due to a attempted auto payment that did not go through back in XX/XX/2020, this is no longer an interest free loan. I have had difficulty every single month with Cumberland charging the incorrect bank account. They said they have 4 different bank accounts listed for me. I told them over and over which is the correct account yet they continue to charge the incorrect account. I have NEVER been 30 days past due on this account! However, Cumberland Financial said because the payment was 10 days past the due date, they automatically took my account off of the interest free status. The reason they received the payment ten days past the due date was because they tried to charge the wrong bank account! Also, conveniently, they never called to inform me the payment didnt go through until after the ten day period. Obviously, this Is pretty shady and completely unprofessional! Cumberland Financial does not have a website that you can go to in order to make payments online or even check your account like most companies in 2020! They purposely make it difficult to monitor your account and/or make payments! The only way to check on your account or correct your banking information is to call somebody. Clearly this gives room for human error to occur. The employees and manager of Cumberland Financial are completely unreliable and unprofessional! I fully believe they are running a scam on their same as cash financing! They purposely charge the wrong bank account for your monthly payment and then inform after their 10 day late policy, in order to remove your account from the same as cash status and charge you outrageous interest!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has refused and denied to remove unauthorized credit inquiries from my credit report in compliance to the consumer laws under my rights to dispute all inaccurate information. Also I have fraud alert with Equifax and theses inquiries should not have been permitted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: MI

Complaint narrative:
I recently pulled my credit report an found various fraudulent accounts, it is ruining my credit and my life.

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 2020-10-22 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: MI

Complaint narrative:
I recently pulled my credit report an found various fraudulent accounts, it is ruining my credit and my life.

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 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BAKER GOVERN & BAKER INC
State: FL

Complaint narrative:
I owe XXXX XXXX XXXX {$250.00}. 
Baker and Baker firm has been using illegal tactics for me to pay which at moment I can not pay due to virus and my other bills have accrued. I explained to Baker and Baker that I broke my shoulder in XXXX of 2019 and since then have had to deal with virus and basically have been out of work since XXXX of 2019. 
I have borrowed from XXXX  before and have intention to pay. Just do not have the money. 
I told Baker and Baker to stop emailing me because I am getting mail from another collection agency about this matter and will fix with them through XXXX. 
Baker and Baker is threatening me with jail time and return payment of {$4500.00} to handle this. 
This is bullying, intimidation and harassment. I have done nothing wrong I just currently can not pay with my current commitments and bills. How can this stop ot has my nerves shot. I have no time for jail or able to pay {$4500.00}. I have saved all of Baker and Baker emails

Company response to consumer: Untimely response
Consumer complaint received 2020-10-22 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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently refinanced my mortgage account with 53Bank and my first payment was scheduled to happen on XX/XX/2020. 

I wasn't aware automatic payment was already set in my account so I initiated a manual payment on my side for that month resulting in an overdraft in my account because of the additional payment. I called 53bank " customer assistance '' number and they supposedly helped me to correct the error. They were not clear in informing me exactly what they were trying to do to resolve my problem so instead of just helping to correct the error with the additional payment and reversing the corresponding overdraft fees, they reversed the 1 good first payment that had already posted to my account. This resulted in 53Bank reporting to credit bureaus they never received my first payment and being late more than 30 days. Now they are saying this wasn't a mistake on their side but instead suggesting it was my mistake because I requested them to reverse it which I don't recall doing. Again, I am calling them because they are supposed to know how their system works and how to better assist me and advise me but instead they are just washing their hands right now and saying there is nothing else they can do about it to help me eliminate that error from my credit report. 

My attachment includes the detail I can see in my account showing 2 payments being reversed in XXXX instead of just 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
I applied for a cash-out mortgage refinance with Amerisave Mortgage Corporation in XX/XX/2020 online. I wanted to refinance my 1st lien mortgage and an outstanding Home Equity Line of Credit ( HELOC ), but I did not want to close the HELOC once it was paid off with the proceeds from the refinance. During the application, I selected the available option to keep the HELOC open after the refinance and subordinate it to the new Amerisave mortgage. I even contacted my current lender to confirm that they would sign the subordination agreement before proceeding. 

The underwriting and approval process took 3 months, I spoke and e-mailed with the loan officer ( XXXX XXXX ) several times and this point never came up. 

At closing, we were presented with several documents for signature indicating that we were requesting for the HELOC to be paid off and closed. I let the closing agent know that this was not part of the transactions and we did not sign those documents ; I was not able to get a hold of the loan officer during closing. 

I spoke to XXXX XXXX after the closing and he indicated that the loan was processed with the HELOC getting closed. I asked him how it happened, since this was not what I had applied for or agreed to. XXXX XXXX indicated that this is the selection I had made on the online application when submitting it. I asked him if he was able to share whatever record of the online application that he was seeing in his system. He said that he could not share it and did not confirm that he had a record of this. He told me that our options were to rescind the loan within the 3-day rescission period or continue with it getting funded but we would need to sing the documents that were not signed and have the HELOC closed. He suggested that we could just " re-open '' the HELOC after this loan funded. 

I spoke to XXXX XXXX the day after closing to inquire if anyone else at the company would be able to offer a different option since " re-opening '' a HELOC costs several XXXX dollars in application fees, appraisal, etc. and all that would need to happen is for Amerisave to  get a subordination agreement signed by my current lender instead. XXXX XXXX indicated that this was not an option and if we wanted that, the loan would need to be re-priced and reprocessed, which would take an additional 30-45 days. I again requested documentation that I had selected this option at application. XXXX XXXX indicated that he was no longer able to see the application in the system since the loan had gone through closing. He, however, confirmed that despite not being able to see this record, he knew that to be true.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
You can reference the other complaints that have been placed for the history on this, this is not a duplicate complaint. I just received a letter stating that they have credited the account in the amount dispute, that was again a false statement. I have their letter and my ledger showing that. How long do they go they get away with this before you acutally do something??? Then they have no re-debited my account for an amount that was not credited on that day without sending any notice, and i was recharged the same day that the full credit wasnt applied. I suppose i seek legal counsel as they are breaking the law and nothing is being done about it to stop it. i have had one rude guy call me one time. that is it, this is not protection on your end and this is theft on theirs. and it doesn't take ten days to mail a letter and you already deduct the money back before i get the letter of provisional credit?!?! come on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Bank account information is the following : Bank of America Account Name : XXXX XXXX XXXX XXXX Account No : XXXX Routing No : XXXX ( paper & electronic ) XXXX ( wire ) Swift code : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Scammer : XXXX XXXX XXXX XXXX used this company bank account to receive money. 
Scam Reason : house payment. 

XX/XX/2020 {$7000.00} XX/XX/2020 {$2500.00} XX/XX/2020 {$3000.00} XX/XX/2020 {$3000.00}

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