vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I paid a {$500.00} appraisal fee for the refinance. 
On XX/XX/XXXX, we closed the loan and paid an additional {$500.00} appraisal fee at closing. 
On XX/XX/XXXX, I alerted the lender ( Amerisave ) to the mistake and double charge. XXXX XXXX of Amerisave responded that day acknowledging the mistake and stating she initiated the refund process. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again and a supervisor ( XXXX XXXX ) said he would process it. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again to follow up and notified the lender that my next attempt at resolution would be to file a complaint with CFPB. That day, XXXX XXXX responded that the refund was submitted. He promised it would get processed. XXXX XXXX responded that it was submitted to accounting via check. I asked for a timeline of how much longer could be expected and received no response. 

To this date, XX/XX/XXXX, I have received no further response and no check for {$500.00} or accrued interest on the {$500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet student loan services did not properly inform consumers regarding placing commercial student loans into forbearance during the COVID-19 pandemic. Nelnet representative stated while federal student loans were automatically placed in forbearance consumers would have to call Nelnet and request to have commercial loans placed in forbearance. Consumers would find out about commercial loan forbearance only if a call was placed to Nelnet by the consumer. My commercial loans were placed in forbearance and is still reporting more than 120 days late. I have tried numerous times speaking with Nelnet representatives to have the late inquiries brought current on my credit report as my federal student loans have been without success no assistance regarding what needs to be done to expedite the process. I spoke with XXXX in the solutions department who states he will file a consumer complaint on my behalf regarding my concerns. This representative was not informative nor helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: FL

Complaint narrative:
Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2021 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both XXXX AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEWHOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. The law is noticeably clear to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX XXXX # # # # XXXX, XXXX  XXXX XXXX XXXX # # # # XXXX, XXXX XXXX XXXX # # # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.

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 2021-05-14 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:
I want all fraud accounts removed from my credit report

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 2021-05-14 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: TX

Complaint narrative:
I want all fraud accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased an a new 2015 KIA XXXX XXXX. I had FULL COVERAGE AUTO INSURANCE thru XXXX. The financing company isKMFUSA.On XXXX XXXX i had an accident. XXXX deemed my car a total loss. a couple of days later. 
KFUSA sent XXXX a letter of guarantee with incorrect amounts. XXXX contacted KMFUSA for a corrected ltr of. guarantee KIA FINAN CIAL KMFUSA has not followed through on MULTIPLE OCCASIONS.

The total loss dept at KMFUSAis a highly protected dept where I can not contact them directly. I have emailed them and have had NO SUCCESS.

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 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I missed 2 months during my loan term with Mariner finance they threaten me with court so I made An arrangement to get caught up then was back paying on time ended up paying the loan off a whole year early they still charged me what would have been the whole term which I dont understand that I paid XXXX a month for a whole year an the pay off was XXXX? MAkes no sense now its on my credit report as potential negative thats a smack in the face when I paid this off a whole year early I need this off my report IMMEDIATELY I cant not even move into a decent apartment because this negative mark when its not negative it was NEVER IN COLLECTIONS!! Its showing XXXX negative an then closed I want this removed immediately this has been paid off since XXXX of last year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: GA

Complaint narrative:
In XXXX, I realized that there were some atm withdrawals from my Chase bank account at chase in the amount of {$7000.00}. I called XXXX on XXXX when I was gon na buy a nice gift, and I saw there were insufficient funds. So I saw atm withdrawals and other unauthorized charges. I had used the card for XXXX and such and I had no idea this happened. I also need the {$24.00} in fees refunded. There were also fraud alerts and I said I never authorized the charges and called and the agent said they think its fraud. I even filed a police report and everything and they still want to hold me responsible. By the way, they need to remove my name from any consumer reporting agencies they reported me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, I am writing to complain about Santander Consumer USA ( auto loan lender ) .I was late on my car note from XX/XX/XXXX to XX/XX/XXXX, so I have eleven late payments in total that reflect on my credit report. At the time I had lost my full time job and I had to depend on other people to help which was not a consistent thing. By the time I was able to make one payment, I was already behind the next and the late fees kept building up & it went on that way for months. I was struggling to support me and my daughter to keep the lights on, so I had to prioritize what was needed first. I am back on my feet and I'm very stable with my finances, but these late payments are prohibiting me from obtaining a home for me and my daughter. I wrote Santander Consumer USA a few goodwill letters asking to please remove some of these late payments and I'm assuming I'm either being ignored or denied because I've yet to receive any correspondence from them. I sent a letter in XX/XX/XXXX and XX/XX/XXXX, I don't have the letters to attach because they were hand written.I feel like Im at a dead end with this situation, and I'm not sure what I can do next. I am hoping that someone from the Consumer Financial Protection Bureau can please help and assist me with this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I was harassed every single day of the week in XXXX-XXXX  of 2021. This company constantly called me, left me messages, and pushed me to pay off a debt I was/am unable to pay. The debt collector is CRME Financial Services and the amount owed is {$840.00}. I was XXXX during the duration of COVID-19 and had/have no sources of income whatsoever to support paying off this debt. I also had to relocate/move my home due to COVID-19. I lost a lot over this last year and being harassed was not fair to me whatsoever. I disputed the account through XXXX XXXX and XXXX, stating it was a HIPAA violation, and nothing was resolved. I could really use some help with this. I am just doing my best to get back on my feet. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Naviant has repeatedly called my Family and associates, who are not co-signers on my loan after my both have asked them to cease and desist. 

They have also threatened my family and told them that I will be arrested if they sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely zero information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
I had to take a forbearance during covid. They put 3 of my loans in deferment. But my home I am living in they have refused to put the payments at the end of the mortgage. They have been rude they have hung up on me after waiting to talk to someone. They sent paperwork that has errors. I can not get anyone to send the terms I was offered with my other loans. I do not understand why they are doing this. Loancare is the servicer now and they do not know what good service is.

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank did not apply my payments correctly and as a result I was hit with {$900.00} in deferred interest in XX/XX/2020 and again in XX/XX/2020 for XXXX. I had the payments set up to cover all of the promotional purchases and pay additional. They do not apply the payments to the expiring promotions first as they should after the minimum payments are satisfied for all of the other promotions. I spent hours on the phone with different people and two of the managers were just awful and just blamed me for everything Actually using the words that it is my fault. Constant interruptions and talking over me what I was trying to explain the problem and request a full review of my account how payments were applied and when. I actually didnt get to realize the problems that happened in XXXX until I called back and got another representative who actually took the time and reviewed my account. I asked to escalate to a manager above them and they said no they wouldnt even put me into a voicemail and somebody was supposed to call me back and they never did. I went online and sent an email and they said because of the nature of the complaint they were going to forward it to corporate never heard a word and its been months. I wanted paper statements and when I asked for them then my online statements got turned off and I couldnt see my promotions. This company has deceptive business practices and they set people up so they miss their deadlines for promotions.

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 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX ( teller ) for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of PNC bank. PNC bank took this out of my account because they say the money order was cashed on XX/XX/2021 and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED AGAIN ''. WHAT THE XXXX? WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futhur. This is ridiculous. My ex is in contempt for alimony for this. My account is {$120.00} in the red because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
Some one has some how got access to my personal information and trying to get credit cards in my name. I have fraudulent inquiries on my credit report

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 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: CA

Complaint narrative:
XXXX was used to get a ppp loan they use Benworth to fund. I was approved by the SBA and Benworth funded me the {$2500.00} dollars but XXXX XXXX  sent back to benworth on XX/XX/XXXX th. Benworth has refused to help me only stating that I was funded. I have XXXX XXXX email stating they rejected it. Now theres no way of contacting XXXX or benworth and somewhere sits my bussiness money. That was for draw 1. now today Benworth just denied my draw 2 for reasons being I filed with XXXX most likely. So Benworth loans is not releasing my money and as a single father and triying to keep my bussiness going for me and my little boy Benworth has myself and thousands other not receiving there entitled monies. I have added 4 banks to XXXX  website for Benworth to send loan to and yet no answers. I have attached loan 1 and loan 2 and promissory note that I signed and was approved for AND HAVE NOT RECEIVED EITHER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Transunion on my XXXX XXXX wrongfully changed the reporting of my account from paid late 120 days off to a collection/charge off. My credit score dropped XXXX points on XXXX. The company has not corrected this yet. I would like this account to be removed. This was a XXXX XXXX XXXX with XXXX  XXXX XXXX XXXX WA. This campus was closed down.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC Collection Opened : XX/XX/2019 Loan Amount : {$820.00} Loan Amount : {$1100.00} This collection account does no belong to me. I have reached out to LVNV Funding LLC/Resurgent twice already to dispute the collections. They have refused to remove this collection from my credit report. They said and I quote that my dispute was " frivolous and irrelevant and that it will not be investigated. '' I've sent validation letters asking them for them to provide a copy of my signature validating this debt. They were no able to provide me with any contracts with my signature on it, no paperwork at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. System states on my XXXX  report I have a medical debt collection of {$300.00}. I disputed this immediately due to the XXXX violation through XXXX XXXX, where it was immediately removed, but it was not removed on Experian, despite also disputing the report on there. I need this removed on XXXX  since it was already resolved with 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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation