vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
This process was incredibly painful. I started a refi with Amerisave on XX/XX/XXXX with XXXX XXXX paying {$500.00} to start the process. The lack of internal communication, lack of responding to numerous e-mails and phone calls where I was asking for clarification of documents needed and/or explanation of why the process is taking so long and what I can do to get things moving is infuriating. There was an entire month from middle of XXXX to the middle of XXXX that went by with zero movement. I feel like I drove this entire process. I have e-mails and statements to support this claim and phone records can be checked to see the shear amount of phone calls I made during this process. 

On XX/XX/XXXX, 4 months after beginning the process, I was told my quoted rate of 3.125 % expired. Apparently, this rate was not locked and I was given no advisory advise as to what to do so nothing would change. My credit report expired, so Amerisave ran my credit again and it dropped 20 points. I am not sure why, but thats a topic for another time. Because of this my rate jumped to 3.5 % as well as did points. Points went from {$1200.00} to {$4700.00}. I was told by XXXX XXXX that is because of the Market. This increase in interest rate caused my payment to go up by $ 107 month which is over {$38000.00} over the life of the loan. Amerisave did give me a {$3800.00} concession to try and justify the increase in rate and points.

Amerisave also made me keep my money in a very low interest account requesting bank statements often with what appears to have no intention on closing in a reasonable amount of time. I feel like I was taken advantage of and this was a bait and switch. 

I was caught in this ongoing cycle month after month and I could not get answers why. I have submitted 59 documents since this began and dealt with 7 different people from loan originator ( XXXX XXXX who was replaced by XXXX XXXX ) to loan processor ( XXXX XXXX who was replaced by XXXX XXXX ) to Mortgage Sales Manager XXXX XXXX ), Processing Manager ( XXXX XXXX ) and even the Mortgage Sales Manager 's boss ( XXXX XXXX ). I have even spoke to the title company XXXX multiple times and they are ready to close, but were waiting on documents from Amerisave. 

This refi is going to save me {$1100.00} month ( originally {$1200.00} ) and every day that went by where I do not close is costing me money. I finally closed on XX/XX/XXXX. 5 months and 5 days after beginning the process with absolutely no awareness that it was going to take this long. I was told about 3 months to close. I would have gone somewhere else, but they had my {$500.00} nonrefundable application fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: NC

Complaint narrative:
XXXX transunion and XXXX have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from transunion XXXX and XXXX and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt removed 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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
i requested for Loan Modification on XX/XX/XXXX and XX/XX/XXXX Mr. Cooper declined Loan Modification. Now they based this application on my Deceased grandparents. 

I inherited property through a Trust and yes they have had copies of both Death Certificates, Trust and Title back in XXXX. 

I am only on Title and XX/XX/XXXX I sent over via fax a XXXX XXXX Modification Application and all supporting documents such as tax returns, XXXX, etc ( 25 pages XXXX. 

On XX/XX/XXXX called Mr. Cooper to confirm receipt of faxed documents ( 25 pages ) spoke to XXXX who stated they received all 25 pages. So when I asked about this letter dated on XX/XX/XXXX showing Items still needed ( /income, tax returns, etc. ) she placed me on hold to ask underwriter. The underwriter had told her that they needed my grandfathers death certificate. 

I do Not feel comfortable knowing that they have all the documentation needed for myself and yet there asking for information on deceased people. 
Now there telling me to check back within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital Systems claims XXXX XXXX phone account in Oklahoma from 2013. 
Ive only lived in Michigan. 
This is past the 7 year time limit for Statue of Limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac loan services consistently misapplies my payments leading to calls from debt collectors who have told me on multiple occasions not to change my payment frequency ( twice monthly ). I pay a little over half of my payment twice a month to align with my regular paycheck. They continually misapply the payment and then hound me. They are the worst mortgage company I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Applied for a USDA loan with Cross Country Mtg. Was promised a call back 3 times ; never heard anything from the company. Also sent them a contact request through their company. We applied for a mortgage and was never sent any required disclosures or communication by law. Last time we contacted them was to get proof our information has been withdrawn from their system and we again were promised someone would call ... nothing. This company should be held responsible for their failure to provide the required information within 3 days of someone applying for a mortgage with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, XX/XX/2021, I just received an email from Bank of America says that my balance is below {$25.00}, which is odd. Because I know I have more than {$25.00} in my bank account. After I logged into my account, I saw {$880000.00} hold there in both of my accounts, so I called BOA ( XXXX ), and their customer representative said my accounts have been closed, checking and saving accounts but i can still use my credit card, and she can't give me a reason because " they have rights to do so ''. No email, no text messages or phone calls, they just closed my account without informing me, and if i didn't call, I wont know that my account has been closed. And she said I will receive a cashier 's check within 7-10 days. But then I found that my credit card account has been cancelled as well, I made another call ( XXXX ), this time another customer representative said that I won't receive anything until the investigation is over, I then asked what investigation and she refused to tell 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
Consumer complaint received 2021-04-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX, XXXX  and XXXX. XXXX told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.

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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
CenterState Bank XXXX XXXX  sold my Mortgage in the amount of {$360000.00} to XXXX XXXX company in XX/XX/2020. However, CenterState did not release the mortgage and close the account, so BOTH mortgages are showing as active loans. That means that according to my credit report, I have over {$760000.00} in mortgage loans ( two loans on the same house ), and double the monthly payments ( one for each loan, although CenterState should show {$0.00} ).

I have attempted to call CenterState Multiple times. Each time I get passed around to different departments, and eventually am told they need to investigate it and get back to me. I have been trying to fix this for a year.

This is ruining my credit, as it makes my debt-to-income ratio unacceptable. It has also caused my credit score to drop at least 80 points. I have been unable to get
approved for even the smallest loan or credit card. This has impacted me financially in a quantifiable way, as I am renovating a house to list for rent, but I can not complete the repairs because I can not get the materials I need. Every month they stall costs me at least {$1500.00} in income I could be getting on the rental house.

I need CenterStage to close my mortgage account which they sold to XXXX a year ago. It's unacceptable and damaging to hard earned excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: OH

Complaint narrative:
I have been sending letters to Equifax, XXXX  and XXXX since XX/XX/2020 regarding inaccurate/fraudulent accounts on my credit report. I have requested they investigate, reinvestigate and send me a validation of such items which they have failed to do in over 5 months. I know my rights, and according to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance is truly a criminal organization and should be closed down. 

I made TWO payments for XXXX and TWO payments for XX/XX/2021, 1 each to the previous servicer and 1 each to Selene Finance who for months has denied receiving the payment. Until this morning as I sent them written proof from the previous servicer.

I have requested a payment history and escrow analysis. I was told : 1. request via email and you will get response in 5 business days 2. request via email and it will take 10 business days 3. it will take 30 days 4. it will take 30 business days Bottom line : I have paid off the loan of approximately {$170000.00}, except maybe {$2000.00} I need payment history, as Selene is not trustworthy XXXX Again, I can not pay this unless I have payment history. Once payment history is confirmed only then will I trust a payoff quote. 

The other big issue is that Selene Finance threatens to report to the credit reports if I do not make the XX/XX/2021 payment. Except the payment they request is double what I owe on this mortgage. They tell me this will not be solved for another 30 business days. 

Time is of the essence I will attach : -statement showing illegal late fee 16 days after mortgage transfer -email trail starting XX/XX/2021 -As well attached is payment history of PREVIOUS mortgage company showing funds they transferred to Selene. Whist as of today Selene was still denying it received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello officer, I was charged by insurance company for Home owner insurance by accident for XXXX XXXX. 

I have filed the dispute with Bank of America. At the same time, I've solved the issue with XXXX Insurance company, which confirmed to refund the charge and sent the official Email. Unfortunately this case doesn't close even went through over two weeks after all evidencess. I feel upset that BOA didn't proceed any refund after I've reached out with BOA customer service. The amount is still in my account, which is impacting my credit 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 monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: WA

Complaint narrative:
I submitted a refinance application with Guild Mortgage who holds my current mortgage to lower my interest rate on XX/XX/XXXX. They made multiple errors in calculating my XXXX which I went over with the loan officer, XXXX XXXX, on XXXX. He agreed there were multiple errors and my XXXX was actually very low. I called him on or around XX/XX/XXXX because I has still not heard back and he told me I now had to submit XXXX tax return because we had gone into the new year even though it was too early in the year to have that return done. I complained to their corporate dept on or around XX/XX/XXXX. They officially rejected the loan XX/XX/XXXX based on these errors. I again complained about their decision as soon as I received their determination XX/XX/XXXX. I followed up multiple times with Guild, including communication with XXXX XXXX. I still have not been able to go over the loan errors with anyone and have them reverse their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off a loan with First third bank back in around a year and some months, verified with reps at the bank, call them a couple times, they claimed because the pandemic situation will take longer for me to get the title then after all this time they start to call me every day leaving messages that I still have an outstanding balance of around {$170.00}, so I call them I dispute this situation, asking me to wait for 10 days in order for them to do an investigation, harassing phone calls still taking place, asked to do not call, they said that they wont stop, finally today a collector before I paid him, told me that he will remove my number, this put my job in jeopardy, again today after I paid they can tell me when I will get my title, this is fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This all started on XX/XX/21 a Monday. I went into Chase Bank in XXXX, Ohio to deposit a " cashiers check '' into my savings account the check was for {$9900.00}. I have been doing business with them for over 55 years and I am XXXX XXXX XXXX. You choose a bank to take care of your money plus take care of you as you get old. When I got to the teller, I told her I was skeptical and concerned about the the check and to look it over good to make sure it was good, being out of state and everything. She said '' IT LOOKS GOOD AND ONLY LOOKS DIFFERENT BECAUSE IT IS FROM ANOTHER STATE AND SHE WOULD GO AHEAD AND DEPOSIT IT. SHE SAID IT WILL APPEAR AS PENDING ON YOUR STATEMENT AT FIRST, BUT WHEN IT SHOWS IN YOUR BALANCE THE CHECK WILL HAVE " CLEARED ''!! I watched my statement on the computer and it did appear as pending and then the next day it appeared as part of my balance. So going by what I was told the check cleared. Being it was a " cashiers check '' and what the teller told me I felt the bank knew what it had told me. I went on to conduct business knowing that the bank said the check had cleared. As it turns out the check bounced and I got skamed out of {$5300.00}!!!! Now I want my money back, because the bank told me the check was good and they have a obligation to older citizens to protect them especially after I told them I was suspicious and concerned about the check!! This all happened from XXXX Chase Bank refuses to do anything and it all was their fault!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX I applied for an XXXX / XXXX XXXX XXXX and was approved. It is backed by Comenity bank. On my XXXX statement I noticed my available credit was XXXX and my limit was XXXX. I called immediately and was told the account was closed but was NOT provided a reason one. They said a letter was mailed out which I did not receive. Finally in XX/XX/XXXX I received a letter stating the account was closed due to a negative relationship with Comenity. 

I called and was told I could appeal it and message them on my CC log in page. My credit history has NOT changed since XXXX XXXX, in fact it has improved. My XXXX XXXX XXXX was in good standing and paid on time. There are NO other new negative items reported. I pulled all 3 credit bureau reports. This was the e-mail I received " Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. '' Again, I am not sure what account they are referring to, but there is NO NEW information reported since XXXX XXXX. 

I asked XXXX to re-open my card, because as we know, closing accounts also affects your credit score. XXXX / Comenity refused. This card was open for less than 5 months. If there was something negative, then they should have done their due diligence at the time of my application. Closing a card with a balance reflects poorly on my credit score and is an unfair business practice. 

I would like this account in GOOD STANDING, re-opened, and a copy of the exact information and date of the item they are referring to. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: IL

Complaint narrative:
On numerous occasions Transunion did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified XXXX and all of the XXXX XXXX XXXX inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial is reporting a few late payments on my credit file. These lates are for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ever since the pandemic started i have experienced hardship and it has been very hard for me to stay on top of my bills. I have made payments to the best of my ability and even notified Ally about this hardship. Now that I'm in a better situation i am trying to recover my credit to obtain financing and these lates are affecting my credit file tremendously. I am asking that Ally financial remove these late notations from my credit file. Making payments was completely out of my hands and it was due to the pandemic COVID.

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