vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
XX/XX/2020 i started a refinance on my primary home. BSI holds a mortgage to an additional home that i own jointly with my mother. They refuse to release any verification of mortgage. I signed the release with my lender on my primary home which was sent to them, then i signed an additional release for BSI. My mother has also signed a release with BSI. I have called and left messages that don't get returned, and over the course of 3 weeks i have spoke to 5 different customer service reps who have different answers as to why they won't release verification of mortgage to my current lender. Most recently i was told that my mother filed bankruptcy, and the house was not included in that filing, and due to that they don't have to release verification of mortgage.

Payments are made monthly to BSI financial. I
receive no confirmation, no receipt, no monthly statements. Im not sure that the payments are being applied to the mortgage, and the customer service associates can't sent me anything to show payments received or applied.

I have been denied my verification of mortgage for 7 weeks now and it is causing a significant amount of problems in me refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Due to many problems with application and closing through US Bank Mortgage, I decided to change mortgage companies within just a few months of purchasing the home. The closing with the new mortgage company was XX/XX/XXXX. I was told at closing that I would receive my escrow money back from US Bank Mortgage. 

I neglected to stop my automatic mortgage payment early enough, so the XXXX payment was taken from my checking account. 

On XX/XX/XXXX I called US Bank Mortgage, spoke with XXXX. She told me it takes about 20 days for the check to be sent to me. She said the funds taken from the additional mortgage payment would be reflected in the escrow. She offered to send me a breakdown of what the check would include. That was never received. 

On XX/XX/XXXX I went to my local branch to inquire as to the status of the check. I did not get the name of this person. She gave me an amount, which was different than the amount that XXXX gave me, and told me the check was sent XX/XX/XXXX. 

Today, XX/XX/XXXX I called and spoke with XXXX who told me the check was sent XX/XX/XXXX and the amount. When he told me the amount, it was less than I was told before. Upon questioning why, I was told the amount was for PMI. That amount was double what I should have paid and was sent after closing. I asked to speak to a supervisor. 

I was then connected to XXXX who told me the check was sent on XX/XX/XXXX. I asked for the phone number of someone in Corporate and was told they were unable to do that. 

I attempted to find details on my internet account with US Bank, but the account is no longer available for me to see. I don't know how I can be sure of what the correct escrow amount should be, nor where the extra month mortgage payment went. 

I would like to file an official complaint.

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 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP LLC. 
Have called several times and they couldn't prove anything information nor account number to me. Refual to provide any info to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
We got the American Express card when we filed our taxes. We were told to keep it after we could reload it w the route number and account number. We had XXXX XXXX [ XXXX ] unemployment benefits PUa and the funds were dd on the card. We were paying Bill 's buying clothes online due to covid.and safe distance from others due to being pre medical conditions. Afraid of on set covid exposer in high risk area. And American Express serve shut the card off. Due to fraudulent activities. I'm XXXX XXXX XXXX and I have called my daughter had to call my husband called. We were told that no one could have any money deposit except for head of household card holder. They were letting us spend it. We were getting confo invoices. Then one day rejection letter of cancellation of payment. Serve fraud account informed us that a paper check would be issued. Then we were informed that it would be returned to sender. Then a 3 time the sender would send request of funds be returned to them. Unfortunately none has been done. It was XXXX directly deposited. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Thank you in advance. Last year I opened a credit card with Union Bank. I know of one location on XXXX XXXX XXXX. in XXXX XXXX, California. In XXXX of 2020 I received a statement for the {$49.00} yearly fee. Since I no longer needed this card I called up to cancel the card on XX/XX/XXXX. This is way before the statement due date of XX/XX/XXXX. The following month I received another statement for same amount. This was on XX/XX/XXXX. They claim I still need to pay it, even though I cancelled the card. I asked to speak to a supervisor. They said one would call me back within 3 business days. That never happened so I called them today XX/XX/XXXX. I was able to speak to a supervisor named XXXX employee # XXXX. She said she would file a complaint on her end. I have no faith in this bank now. I feel I should not have to pay the yearly fee since I cancelled the card and will not be using it. 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 monetary relief
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE 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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-25 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-25 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: TX

Complaint narrative:
FTC Violations Ally Fincl Inquiry : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I believe the company LoanMe is out of compliance with AB-539, the Fair Access to Credit Act. The interest rate I am being charged is 135 %, far above the state cap of 35 %. I have sent an inquiry to LoanMe, but they have not answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am unable to link my XXXX  XXXX  with my checking account and I used to be able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-25 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: CA

Complaint narrative:
I was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.

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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I HAVE FOUND AN INCOMPLETE AND INNACURATE ACCOUNT ON MY CREDIT REPORT AND HAS BEEN DISPUTING THIS ITEM FOR AWHILE..I SENT IT TO THE COLLECTION AGENCY ON XX/XX/2020 WITH NO RESPONSE, THEN I SENT IT TO TRANSUNION ON THE XXXX OF XXXX ASKING THEM RESPONSE WITHIN 15 DAYS.THIS IS CAUSING ME GREAT STRESS

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 2020-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I attempted to use XXXX through my bank and it advised me my account was to restricted and to call. After calling the agent was able to give me very generic information regarding the reason for the restriction, and advised me to go to a branch for more information. But due to Covid19 all branches in my area only has drive thru access. 
I was never notified of this said restriction and don't know what caused it, I would like a clear answer as to why my account has this restriction on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services has consistently hit my credit monthly about a debt in the amount of {$4500.00}. They have not provided me with documentation from the original creditor to detail the debt. This account from the original creditor was closed and the amount was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.

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 2020-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was A victim of identity theft. XXXX XXXXXXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I always pay on time following receipt of paper statement. XX/XX/2020 's statement not received ( Covid Issues perhaps incurred by CITI ). AS a result, and following collection calls beginning, payment made 5 days late. Late Fee Assessed by CITI - disputable. Fast Forward to XXXX, LC balance not paid ; CITI assessed a second late fee for the first unpaid late fee and claimed original late fee as " deferred interest purchase. '' Called today, they stated the missing statement is not justifiable for being late on a payment. Would only waive the second late fee, but not until I paid the first late fee, XXXX  out the account ( predatory and bad debt collection practices ). 

I work in the XXXX XXXX/XXXX XXXX. We are not allowed to assess a late fee when a borrower does not pay for outstanding fees. How does a credit card lending company an exception to this lending regulation? While an interest rate of 20 % can't be applied to a late fee due to regulation, it is illogical for a late fee of {$28.00} for unpaid late fee of {$28.00} to be permissible and not defined as predatory as that's a 100 % revenue, better than any interest calculated on the low balance.

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 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bell Financial Services
State: OK

Complaint narrative:
Five months ago we got a payday loan from Belles Finance located in XXXX oklahoma. It was a emergency our tire blew we needed a new tire. We got XXXX We had a installment plan to pay back. 
We did good until my wife list her job du to the new virus. A pon making monthly payments we agreed to pay XXXX A month. They called three to foyr times A day. I'm a XXXX retired veteran I have explained to XXXX that we can send XXXX but that's the most we can do. 
Well my wife got a money order made out to them XXXX two months with a letter asking them to accept it, tjey did but do not come to our house asking for money as they did four times. 
Giving my babysitter a letter to me when she was outside the lady from belles finance pulled up asked her " XXXX XXXX live here " she didn't know how to answer the lady said here give him this letter. It was asking for a payment. 
Then two days later sent another person to the house asking for money on top of calling over and over again. 
My wife told them in a letter and face to face do not come to my property you are not allowed. If you continue to harass or call demanding money then this loan would be paid in full. They are very rude and have no problem seeing you in the gas station asking you for money as well. Giving put personal information about the debt u owe them. 
I have paid but seems as if more more more interest is added as well. 
I am done. They have harassed my family, kept coming to my house after being asked not to several times. so I will be sending a certified restricted letter to them in XXXX, proof of sent asking them to case and dismiss. For the inconvenience and harassment caused my stress level to rise. I'm a 22 year vet served war four times. I have XXXX I'm XXXX XXXX. I suffer from XXXX XXXX XXXX XXXX   XXXX, I have a XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
We have tried to reason with them. please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a savings account with Capital One on XX/XX/20. Terms and conditions do not disclose that ability to wire funds out of account will be limited, not does the operative " Wire Transfer Disclosure. '' The closest the latter comes is stating : " We reserve the right to reject any Wire Transfer Request. We may restrict the use of wire transfers for new accounts and newly added joint account holders. '' I tried to wire funds on XX/XX/20 for the purchase of a home. Capital One 360 did not permit a wire transfer. Representatives of the bank informed me on two separate phone calls on XX/XX/20 that the bank has a blanket prohibition on wire transfers in the first 60 days after an account is opened and that no exceptions will be made from this policy. 
If this is in fact their policy, this must be disclosed to consumers at the time an account is opened. I will now be in breach of the purchase agreement of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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 applied for a loan with this company on XX/XX/2020 under the promise from the Loan originator Mr. XXXX XXXX that I was going to be approved, all the items on my credit. 

I was convinced by Mr. XXXX to pay {$500.00} application fee to make it official. My loan was denied last week due to incompleteness and I turned all the documents that were requested in a timely manner. 

So far Mr. XXXX or Amerisave have not communicated to indicate where the " incompleteness '' is coming from. 
I feel that I have been scammed by this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation