vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: Self Financial Inc.
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
XX/XX/2021 - AmeriSave issued me a ( LE ) - '' Loan Estimate '' after gathering my information and pulling my credit scores. 

XX/XX/2021 - AmeriSave issued a ( CD ) - " Closing Disclosure '' to me that matches the LE However, on XXXX XXXX. AmeriSave send me another CD with an increase of {$1000.00} in loan fees showing as " points fee '' which was never disclosed on LE. 

I tried to contact the loan originator " XXXX XXXX XXXX " and AmeriSave sales Manager " XXXX XXXX '' and was not be able to get a valid reason why the point fees was suddenly added to my closing cost. 

XX/XX/2021 - Mr. " XXXX XXXX '' called me at XXXX EST to offer cover {$500.00} of what they have increased in loan fees and said that's the best they could do. 

There has no significant changes in circumstances on my side, I don't believe the loan fees should be increased just because later the lender decided want to make more money than they originally offered. 

There are many lending options out there and the only reason I made an important financial decision to refinance my property with AmeriSave and paid an appraisal fee of {$500.00} upfront was based on their best offer. I feel deceived when I found out that they decided not to honor their best offer or Loan Estimate after they gained my business. 

The way AmeriSave conduct their businesses and how they treating their customers completely destroyed my trust in this lender and also made me want to findout what's our rights in fair lending as a customer. Loan Estimate is supposedly for Good Faith and I wish AmeriSave could have more of good faith to their customers. 


LENDER AmeriSave Mortgage Corporation NMLS/GA LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX NMLS/GA LICENSE ID XXXX XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX

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 2021-04-28 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:
As per the previous CFPB complaint ID # XXXX, Experian continues to report bankruptcies without validity to the true source of the certifying company. Per CFPB trade law this is a requirement. Experian 's response to the previous complaint is as follows : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ( see report results attached ) Additionally Experian.com states XXXX XXXX XXXX XXXX XXXX XXXX is a provider of bankruptcy information to Experian ; XXXX : XXXX Therefore I have also contacted XXXX and no such information has been certified as per Experian stating that it is accurate information ( see attached ) I am again requesting that all bankruptcy items be removed from my credit report immediately. If needed, the case would need to be transferred to the FTC. 

Reference CFPB complaint ID # XXXX filed XX/XX/2021 : After sending several letters to the credit bureau requesting verification of the bankruptcy being reported on my consumer report, they continue to reply that the bankruptcy has been verified by the company and continue to report it. I contacted the US Bankruptcy Court and spoke with XXXX XXXX ( I will attach that, see attached ). XXXX XXXX stated that they do not report information to the credit bureau, and they do not verify this information. According to the law that governs the FDCPA, to verify a debt or bankruptcy, you can not verify a bankruptcy through a third party, in such, it means that obviously that the agency is getting their information from a 3rd party which is not legal for reporting. I am requesting all bankruptcy related items be removed from my credit report promptly. Because I have made this known to the credit reporting agencies, they are willfully and neglectfully reporting this information.

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I received a check for XXXX from a business I thought was a scam. Since my research of the company ( via XXXX ) on the check came back the business was legit I held onto the check for about a week. On XX/XX/XXXX I took the check to my bank ( BMO Harris Bank ) and asked if I deposited it and it bounced am I out the bounce fee of {$12.00}. The rep said yes. Because of this I pulled over and called the bank that the check was from. They confirmed that yes there were sufficient funds to cover the check. I then went back to the bank and deposited it. I waited another week to make sure the check didn't bounce. At this point I texted back the issuer of the check who told me to send them {$1400.00} back and keep the rest. Seeing as though I've heard of this to be a scam, I called my bank who would not allow me to send the money. They identified it as fraudulent and froze my account. I was then told by the bank rep I would have to go to a local branch to remove the freeze. I did this near the XXXX. Thinking this was the end of the issue I payed no attention to my account. Then near the XXXX I realized my credit cards weren't getting paid .Then my paycheck didn't get deposited on the XXXX. I FINALLY got through to the fraud specialist who said my accounts still frozen and she doesn't know till when. I am now without any financial means. My three credit cards and checking account is shut down and I have not received my paycheck. 
I explained I did my due diligence to confirm the check was good. The bank put the money in my account, I didn't spend any, thinking it was fraud, I brought to their attention and told them the crooks have no link to my account or any financials, they froze my account because of what " I '' brought to their attention. Now after having this account at this bank for at least 20 years the fraud specialist says I need to open a new account, my funds are frozen. She also went on to mock me that I " c'mon your a grown man you should know better '' Also '' YOU sir are the one that started this problem ''. She then went on to give me a list of transactions on my account " you don't know about '' due to the register reading different amounts from her screen to mine.According to my register I should have at least {$500.00} in my account. She says its about - {$500.00} and at the end of the investigation if there is any left they'll send me a check ... .and BYE.

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 2021-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
XXXX XXXX, 2021 received form Declaration of Loss from Navy Federal Credit Union. The form seeks to make me, XXXX XXXX responsible for the lost check or if someone cashes the lost check. I have documents I like to forward concerning the issue of closing this account. Navy Federal Credit Union has informed me several times to use their security message center. I have informed them again and again and again and again I do not have access to their Secure message center and ask to provide means to use it. Always never a reply. The reason I bring this up is they want me to return the form though their message center or send it through regular mail which takes about a month from my location. I am not pleased that Navy Federal Credit Union tries to make me responsible for a lost check that i never received. They take zero responsibility for the check they issued. Lost, stolen or some one else cash they seek to make me responsible and i will not be responsible for the remitter ( Navy Federal Credit Union ) when they issued the check XXXX XX/XX/2021. No care or concern is shown to the customer from my view point. I have written Navy Federal again and again and again and informed them i have no access to their secure message center still that is one of the ways I am told to contact them. It would be very simple to issue a check send via certified, express, or registered that ways some form of tracking could be done. I am informed to contact them through call in or go to one their offices. The account that was closed I have no ideal what is the account number. All the many many letters written to them i get the same results. No customer help or care or concern. I am happy to end our relationship all they have to do is make a good effort to send me the check from the closed account. That is all I ask. Navy Federal Credit Union informed me the they were MAILING THE CHECK., they did not day they mailed the check. The Declaration of Loss indemnity the 100 % of any responsibility for the lost check that they issued. I am ask to sign a form that I am responsible for a check that I have never received. That I will not do. Resolution simple. Navy Federal Credit Union make best effort to ensure that some form of tracking is done when they issue another check. I would think they have a way to see if the check they issued has been cashed. If it has they seek to make me responsible. This issue has taken much more effort than it should it Navy Federal Credit Union use simple customer service this issue long resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Block, Inc.
State: NY

Complaint narrative:
My problem is it with the company a XXXX XXXX they've been holding my money for three weeks they haven't transferred money to my bank account I use them as a credit card processor for my small business I've been trying to contact them every single day and nobody answers is just a machine I need to know what's going on and where is my money they hold in almost {$4000.00} I would like to get my money and cancel the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a XXXX 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact XXXX as well as dispute the account with Experian and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When Experian reaches out for validation they respond that all information is correct and continue to update the account on my 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 2021-04-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX  reaches out for validation they respond that all information is correct and continue to update the account on my 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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/2021 My XXXX XXXX  Checking Account showed a ACH deduction from Mr. Cooper, my XXXX XXXX XXXX. The amount was my normal Mortgage payment of {$1200.00}. I already paid my XXXX Mortgage payment on XX/XX/2021. I am not behind on my payments. I also do not have automatic payments set up with Mr. Cooper. I pay every month with Mr. Coopers  online service. My payment dates range from the first of the month till the XXXX or XXXX of the month. I have never had a automatic withdrawal and if I did I would not have 2 Mortgage payments being deducted with the same month. My next Mortgage payment is due XX/XX/2021 with a grace period until XX/XX/2021. Mr. Cooper released a statement that thousands of not more customers had their accounts withdrawn without prior authorization by Mr. Cooper over the weekend. They also stated in their press release all cases were resolved by the end of business on XX/XX/2021. My account is still showing the {$1200.00} as a deduction and I had to file a complaint to dispute this amount with XXXX XXXX. This dispute can take 10 days or longer. In the meantime I am not short {$1200.00} that is to be used for other bills and necessities. I believe the actions of Mr. Cooper fall under the UDAAP law and I would like to know what can be done to rectify this error by Mr. Cooper. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: PA

Complaint narrative:
Someone used my personal information to open a bank account and receive medical care. I just noticed the problem when I went to look into purchasing a new 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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account was locked down in the Chase Bank because somebody used my identidy to withdraw funds from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As stated before, all documents sent have been notarized showing you I am indeed who I say I am. On XX/XX/2021 I sent this company a letter disputing unknown, misleading, unverifiable information. Again I sent them a letter on XX/XX/2021 because I NEVER received a response from them. XX/XX/2021 I filed a complaint with the CFPB. I see today XX/XX/2021 that the company responded that there is a unauthorized party on XX/XX/2021 which is a lie the dispute is coming from me XXXX XXXX. I called today XX/XX/2021 at XXXX to TransUnion and spoke to the Customer Service Rep XXXX and she stated " the account is currently being investigated ''. It has now been WELL OVER 60 DAYS! I'm frustrated your company is breaking the law! it should not take over 60 days to complete an investigation, in fact being that your company has took over the amount of time granted under THE LAW the accounts in question must be REMOVED!!

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 2021-04-28 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: AES/PHEAA
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: MAJR Financial Corp
State: VA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AZ

Complaint narrative:
I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/XXXX XXXX that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have contacted TransUnion to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX XXXX and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also TransUnion keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these 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