vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
1. I fought the township and village tax amount with the township starting in XXXX  of XXXX ... immediately upon receiving my tax assessment. I won and they adjusted the amounts. This process took a few months due to COVID and I had to go to the state after the township initially did not lower the tax amount by enough. 

2. Due to the timing of taxes being paid the above settlement being completed, I was sent indicating I was short on my escrow by a substantial amount. 

3. Since XX/XX/XXXX I have had approximately 10 communications ( started with email and switched to calling since I did not receive responses to emails ) with United Shore Mortgage regarding my escrow account since I needed to know the correct amount to pay and the village had indicated they never received payment of my taxes and therefore was late. During these communications I was promised call back from supervisors which I never received ( more than once ), promises to resolve the problem, etc. I only finally made progress as to the issue when I demanded a conference call with the mortgage company, XXXX XXXX tax dept, and myself. During this time they increase my monthly payment since they said I had a shortage on my escrow. 

4. The last 2 communications were as follows. I spoke with XXXX and she indicated she would request an reanalysis of my escrow so a final amount could be determined if I was still short and what my monthly payment would be. She said when she calculated it, my monthly amount should go down but was not the official analysis and since she requested on XX/XX/XXXX, it would be done not for my XX/XX/XXXX payment but it would be for my XX/XX/XXXX payment. I received my XXXX bill and it has not changed and when I went on line the reanalysis of my escrow was not done in XXXX nor XXXX yet. I called United Shore Mortgage back on XX/XX/XXXX and once again was given the run around ... they would request to see what is going on. I told him I wanted a call back tomorrow or I'm call my lawyer and XXXX XXXX XXXX I also told him I would be going to submitting a complaint. 

5. I will not be attaching documents as the mortgage company should have all of these and at this point in the process they have what they need to finish the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unable to Get my updated credit report. I want my credit Score to be updated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unable to Get my updated credit report. I want my credit Score to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: GA

Complaint narrative:
I did not open an account with XXXX XXXX XXXX XXXX. This is a fraudulent 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 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION/CHARGE-OFF ACCOUNTS ARE IN VIOLATION AND NEEDS TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED. 
COLLECTION IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMITS, NO PAST DUE AND NO PAYMENT STATUS. WHEN IN VIOLATION SHOULD BE REMOVED IMMEDIATELY!!!! INACCURATE REPORTING ON DATE OF LAST PAYMENT, DATE LAST ACTIVE 1.XXXX XXXX 2. XXXX 3. ORIGINAL CREDITOR WHICH IS A VIOLATION OF THE HIPAA LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I paid merchant {$89.00} + {$99.00} for services that were cancelled due to COVID-19. The merchant sent out an e-mail explaining to customers that they could request a refund no questions asked. I accepted their offer and requested a refund total of {$180.00} for the cancelled services and was refunded. However, my account was charged by the merchant again unauthorized. I have contacted XXXX to dispute the charges and the merchant requesting refunds for this second set of charges. I have spoken to several XXXX customer service representatives and they reassure me that they see the mistake and that the merchant has recharged my account after processing a refund, they reassure me that I should see the full refund of {$180.00} in my next billing statement and it has not been processed after 11 months of countless disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Background : New Res Shellpoint Mtg took over the mortgage servicing of our loan from XXXX XXXX XXXX when we file for Chapter XXXX Bankruptcy protection on XX/XX/XXXX. We were behind on payments and included them in our plan. 

When the loan was transferred from XXXX  XXXX XXXX to Shellpoint on XX/XX/XXXX. Either XXXX  XXXX XXXX or Shellpoint didn't record our payment of {$3500.00} which was paid on XX/XX/XXXX electronically posted according to XXXX XXXX. 

This threw our payment history off for years. Until Congress passed the Morgage Servicing Act in April of 2018, I was unaware there was an issue. 

Finally after years and having to retain an attorney, Shellpoint found the payment. After weeks on end of calling, emailing, and being placed on hold. 

My Chapter XXXX Bankruptcy was discharged, XX/XX/XXXX Problem # 1, The Shellpoint Statements have been misstated since they began serving the loan. This affects our ability to provide documentation in order to refinance our loan. We are currently paying a high-interest rate. This materially impacts us financially because it is difficult to prove we have paid 12 months on time according to Shellpoint. 

I am trying to refinance and found out today, XX/XX/XXXX. Shellpoint has been reporting some of my loan payments as delinquent during active bankruptcy. According to my understanding, this is not legal. This also has a material effect on my husbands and my credit scores. 

We will be paying a higher interest rate to refinance due to their inability to service the loan properly. We have worked hard for ( 5 ) year only to deal with this issue, ugh ....

I have exhausted my patience. I didn't want to complain. I have spent years trying to straighten issues out with Shellpoint. I have spent hours on hold. Been hung upon. They rarely respond even after my Chapter XXXX Attorney gave them permission. It took them over two years to correct my statements. I provided a printout of all posted checks from XXXX and it still took them years. 

Finally, our XX/XX/XXXX Statement from Shellpoint indicates they are Charging me {$250.00} for my bankruptcy discharge. I have asked repeatedly, by what authority or agreement do they have the authority to arbitrarily charge me {$250.00} for ( Legal Fees ). I had no agreement with Shellpoint and this was not agreed to in our Chapter XXXX agreement. 

This is the worst company I have ever worked with. Our 2nd Mortgage Company is with XXXX now XXXX. We have had NO problem with them, their statement, or been arbitrarily charged legal fees when our Chapter XXXX was discharged. HELP

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
We were preapproved for a refinance for our home through Amerisave. Address of the home in question is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. While we were still in the middle of the refi process ( gathering documentation ), our home originator XXXX XXXX on XX/XX/2021 pressured me to pay a {$500.00} application fee which he explained was non refundable. I paid this with my credit card under pressure and kind of had an uneasy feeling about doing so. As soon as that application fee was processed, Mr XXXX ceased contact with us ( other than form emails ). In the form emails he kept asking for financial info which we had long ago provided. I called him and left numerous voice messages and numerous emails. I have not received a single response from Mr . XXXX. I believe he is committing fraud by keeping my money and refusing to communicate with me XXXX XXXX NMLS ID # XXXX Amerisave Mortgage Corporation NMLS ID # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FUTURE FINANCE COMPANY
State: IL

Complaint narrative:
I purchased a vehicle from Future Finance on XXXX on XX/XX/XXXX and also signed a Wage Assignment at that time. A week after purchasing the vehicle I began to have problems with it. It was a lemon. I contacted the finance company and ever since I had been trying to work with them on getting rid of the vehicle. The dealer went bankrupt shortly after we purchased the car. In XXXX I asked for the finance company to please take the vehicle back as it was costing me too much money to repair. At that point they took the vehicle and I began to make payments of {$150.00} a month to try to pay off any debt owed. In XX/XX/XXXX the finance company decided to send ( email ) : not by certified or registered mail : an expired wage garnishment to my employer. They embarrassed me at my work place while illegally attempting to garnish my wages, my rights as a consumer were violated. I notified the company of this and when I demanded for them to provide me with supporting documents of what I supposedly owe, I never received a response. At this point On Friday, XX/XX/XXXX I was contacted by an attorney who served me with a summons to appear in court. I contacted their attorney and told them of the issues with future finance and his response was that, " that happened before it arrived on my desk '' as if to brush off the fact that my rights were violated and they are still trying to pursue this in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One bank permanently restricted my checking account back in XX/XX/2020, and charged off my {$130.00} overdraft. 

On XX/XX/XXXX, they not only accepted my {$600.00} stimulus check into this restricted account, but have also garnished the {$130.00} from it, and didn't even notify me that it was received by account a full 12 days ago at this point. 

I've spent hours today trying to speak to someone and resolve this issue with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WI

Complaint narrative:
I have never had a balance with XXXX XXXX XXXX which is the original account owner and received acknowledgment of this when I moved out. 
I also recently spoke with XXXX XXXX XXXX on a recorded call and was told that they did not have any records on file of me having any dept with the company. 
Hunter Warfield is claiming that I have an outstanding balance which they are reporting to XXXX  and due to them reporting this inaccurate information it is ruining my credit. I contacted Hunter Warfield and explained to them that the original creditor doesn't even have anything on file of me having any dept but they still continue to report this inaccurate account to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was scammed and deposited a total of {$7400.00} into another person 's Chase account into two transactions. 

{$2400.00} on XX/XX/2021 {$5000.00} on XX/XX/2021. 

A few days later I found out this account is fraudulent and contacted Chase bank. The person I spoke to advised me that there is nothing they can do with out police report. The same day filed a police report and contacted the bank again today XX/XX/2021 and despite all the documents and communications I have from the scammer, they told me there is nothing they can do to retrieve the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Abbott Osborn Jacobs PLC
State: MO

Complaint narrative:
SEVERAL MONTHS AGO, I WAS GOT SEVERAL CALLS ABOUT THE ACCOUNT. 
THIS COMPANY AND XXXX ME FOR SEVERAL MONTHS BECAUSE I REMEBER THE AREA CODE XXXX THEN I CALL ON XX/XX/XXXX THEN I CALL ON XX/XX/XXXX = XXXX WAS RUDE, SAID ITS IN DISPUTE .. OFFER XXXX ALL BILLS ARE DEPENDS ... ITS A HARDHIP WITH COVID 19 PROCESS SEVER PUT BILL IN A MAIL??? NOT MYLEGAL ADDRESS AT ALL XXXX IS SUP IS NOT AVAIL, NOBODY IN THE WHOLE OR ANOTHER IS AVAIL FALSE NAME WAS USE SEVERAL TIMES XXXX XXXX XXXX XXXX???? 
XXXX XXXX  XXXX XXXX XXXX??? 
THEN ANOTHER PERSON CALL ME FROM XXXX XXXX CA IM NOT SURE GOING ON NOT PROFESIONAL AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I went to XXXX XXXX  in XXXX XXXX to buy an advertised refrigerator. They said if I signed up for a credit service under American First Finance, that I could save 10 % on purchase price. 
They also said if I paid off within 90 days I would not have any accumulated interest. I went to payoff within a week and they said there was an early payoff fee. They never told me that, or I would have never signed up for that finance. I feel very taken advantage of and this is very fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
I applied for a mortgage refinance in XXXX, 2020. My home was appraised on XX/XX/XXXX, and all information provided to Amerisave in time for me to receive initial closing disclosures on XX/XX/2020. In the several months since then, the closing has not been scheduled to date. The company has repeatedly asked me for information that I had previously provided. Each time I provide them requested information, always within 24 hours of their request, I get repeated requests for more information and then weeks go by without hearing from anyone. Then someone else looks at it, asks me for more repeated backup and/or updated information. The people working on my loan do not understand compensation of a business owner - they have asked irrelevant questions. At one point the loan orignator, XXXX XXXX, told me he thought they were going to deny the loan because of lack of compensation ( untrue ). I applied for another loan and my credit was pinged again. Then the loan processor, XXXX XXXX, told me they were on closing the loan. This was two months ago. They then came back and told me they needed another credit score because so much time had passed. There are now 3 checks of my credit, impacting my score, and I still have not refinanced, nor can I get even the courtesy of a reply. This has dragged on for six months and I can not get any answers from anyone. I have contacted both my loan originator and loan processor repeatedly and been ignored for weeks at a time. I have called their customer service line and received no reply. This is costing me money each month and has now significantly impacted my credit score so it will hurt me to switch to a different company at this point in the process.

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 2021-01-19 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I XXXX XXXX received my XXXX report, and I noticed an organization that is listed Kia Motors I have entered a consumer credit transaction with Kia Motor finance charges. A consumer credit transaction is a transaction in which a finance charges was involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance s charges is the sum of all charges I was not expecting to see a charge off on my report. 15usc 1692 ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: U.S. BANCORP
State: KS

Complaint narrative:
I have disputed fraudulent charges with US Bank multiple times for the past several years. I have never disputed the validity of the credit card, only the charges on the credit card. Every response, they claim that the card is valid - which it is - and refuse to investigate the charges I have indicated which were fraudulent. Fraud is proven on multiple occurrences by the issuance of a new card with a new number. 

Each time I have requested copies of all my statements yet they continue to refuse to send me the requested statements. To attempt to satisfy the request, they sent some statements but did NOT send the statements I requested. 

In addition, US Bank has blocked my access to the account online and access to statements so that I am not able to review or continue to dispute individual fraudulent charges. 

Blocking access to my credit card purchase history is in strict violation of multiple federal statutes and regardless of complaints, US Bank still refuses to provide the requested statements or access to my account history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: NC

Complaint narrative:
In XX/XX/XXXX sent a dispute to experian they responded back with account verified but failed to send verification, in XXXX submitted a XXXX letter which came back verified followed up with a follow suit letter as to how they could keep verifying a account that the other 2 bureaus deleted for lack of verification. The last response from them was in XX/XX/XXXX stating account is still verified and outcome remains. The have failed to send me any documentation as to how the account has been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
A payday loan was charged to my account online. I never apply or received any cash to my knowledge. Now its on my credit report and I want it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: PA

Complaint narrative:
I sent my dispute letter on XX/XX/XXXX and I file a complaint to the CFPB on XX/XX/XXXX because i didn't get any results back from the 3 bureaus in the 45 days they have to reply. When i sent out the complaint they said that it was a third party and wasn't me that sent out the complaint and for that they wouldn't do anything about the inaccuracies on my credit report. I feel like i'm being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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