vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
Today, I spent a great deal of time trying to investigate HELOCS for the purpose of funding home improvement projects and paying off some high interest debt. 

After an online search, I was connected with XXXX XXXX, a broker with Amerisave. 

From the get go, I indicated that I wanted a HELOC as I already had a 3.5 % fixed mortgage rate that they would not be able to compete with. 

XXXX XXXX XXXX then pulled my credit and put together a full refinance package at 6.5 % and wasted a lot of my time. He told me the credit score he pulled was much lower than the one I had pulled TODAY and that the only way he could get me the money was to do a full refinance. He didn't bother to disclose this before I was discovered the loan disclosure documentation. He talked " around '' pointed questions that I asked about interest rate and loan specs. I then learned that the company was fined millions by you in XXXX for bait and switch tactics. I believe that the bait and switch is exactly what was attempted today by XXXX XXXX XXXX I believe he knew exactly what he was doing as evidenced by the benefits to him notated in the fees and commissions columns of the proposed loan documentation. 

XXXX XXXX XXXX deflected questions I had about interest rates and loan terms being offered by the company and pushed to pull my credit citiing that he wouldn't know what they could do until he could pull credit. I understand not being able to give exact numbers but other reputable companies will offer hypotheticals to client 's in good faith before proceeding with credit pulls. I felt very scammed by the whole process today and in hind sight feel that this is likely just the company//broker 's aggressive tactics to deceive. Most of today 's communication with XXXX XXXX XXXX  occurred via text message although he implored me to call him suggesting that it would be easier and faster for me? Perhaps, he did not want such underhanded tactics to be documented?

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 2023-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
For well over a month I have received several calls daily from Nissan Infiniti Financial. 

Every day I have to delete their messages from my voicemail. I have never bought any car with any financing. I have a XXXX  XXXX which I bought 6 years ago used for cash. 
It is the frequency of the calls and the multiple times. I have on many occasions informed them I have no idea why they would be calling me. No one in my family has a Nissan or Infinity besides the XXXX  I own. They insist this is the number they have but do not have my name. I have had this same number for at least 10 years and it is only now that they have started this harassment. 

I am XXXX have XXXX XXXX XXXX and am on a XXXX XXXX. I can not take this any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to file a formal complaint against Affirm Inc, as I believe their lending practices involve discrimination against certain individuals. On XX/XX/XXXX, I applied for a {$690.00} installment loan to cover an online course and was denied without any provided reason or explanation. 

This is not an isolated incident, as I have faced previous denials with Affirm, and inquiries regarding the reasons for denial were met with vague responses. The representative on the phone failed to offer any details or reasons, stating an inability to verify my information without specifying which information was in question. 

The Equal Credit Opportunity Act explicitly prohibits discrimination, yet Affirm Inc 's repeated denials without transparent reasoning raise concerns about approval disparities based on background and race. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into why Affirm is denying fair credit access to certain individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I applied for a home loan through my bank, Wells Fargo. I was pre-approved. I submitted a contract and moved forward with the process. During the process I was never asked about previous real estate purchases. I had in XXXX bought a building through a tax sale. I paid cash for the building after the auction & there wasn't any loan, mortgage or such. I didn't bring it up during the loan process because it had sold twice since I let it go ( after I bought it, I paid to have the electrical panel replaced and then was told that I had to fix the back wall before I conducted any business there. The building was over 30 foot tall and someone prior took out a window from the brick building and bricked it up and now the back top wall appeared to be leaning. Noone condemned the building until I bought it..then they condemned it giving me a set time to fix the wall. Estimates from those who would even consider the job stated at least XXXX to start then who knew after it was started. I could not afford that without starting the business so I let the building go back into the tax sale. Underwriting at Wells Fargo for my new loan kept sending me task requests to explain *my foreclosure, short sale ..I wrote several letters to explain this was a tax sale, no mortgages or loans. Then after weeks of letters I was denied my loan stating that Wells Fargo has a 7 year rule for foreclosures and such and my transfer of title was XXXX years ago. I bank with Wells Fargo, my social security goes directly to my bank account there. My rental checks are cashed through Wells Fargo. I planned on having my payments auto deducted from Wells Fargo. My house payments would have been $ XXXX LESS than my rent payments. ( I sent upon request my landlords manager name and number. He states that Wells Fargo never called to verify or ask anything ). So after denial XXXX XXXX my loan officer asks do I want to try for an FHA loan @ a " bit higher '' closing costs. A bit higher was XXXX compared to the XXXX that I was paying in closing costs & 1.5 % on a XXXX house. I had previously explained to XXXX that the house would NOT qualify for an FHA loan and that the sellers were unwilling to bring it to code. I had already paid XXXX for an appraisal. To be told that I'm denied because I'm considered *high risk*. I am writing this rebuttal to overturn my underwriters *decision. XXXX XXXX XXXX. Ps I have MANY documents that I have sent over to Wells Fargo. Please ask if you need any for this investigation. My contract states that my loan should be closed by XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CHN Housing Partners
State: OH

Complaint narrative:
I obtained my mortgage through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/XXXX. In XXXX of XXXX, an escrow anaylysis was done and it was determined that the original property taxes were not figured into the original mortgage monthly payment, so almost a full two years went by before they determine that this was the case. So they were taking my mortage payments and applying them to the insurance and taxes and not to the actual mortgage principal. Now we are behind in the payments with a threat to lose our home. This has cause the mortgage payment to triple. If the escrow analysis was done even on an anual basis ( which an analysis would have been preformed in XXXX ) we would not be in this predicament. There was no escrow analysis done to our knowldege in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DriveTime
State: GA

Complaint narrative:
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Drivetime XXXX XXXX, XXXX XXXX : Drivetime XXXX XXXX on XX/XX/2017. A consumer consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, that Drivetime XXXX XXXXXXXX XXXX XXXX XXXX Drivetime XXXX XXXX took cash. The finance charge is suppose to include insurance, but that Drivetime XXXX XXXXXXXX XXXX XXXX : Drivetime XXXX XXXX made me purchase insurance separately.

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
at first they said fraud protection will cover this theft then they said they can not help and will not pursue further and suggested I open a police report to subpoena the bank records.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
My daughter and I were in a car accident. The person that was at fault insurance paid for the doctor bills. I received a bill stating it had not been paid. I then emailed the creditor & called on many occasions with no response. 

I sent proof of payment ( the check ) I sent a copy of the check that was sent & deposited by the hospital. Still NO response. I then had all the documents sent VIA certified mail. I had copies of all correspondence. and sent a copy of the check. They then called me & I told them I had sent all the information over and over. I then sent all the same documentation to the credit people. this is still on my credit report. I cant understand how this is still on my credit report after sending proof of payment. The wreck was in XXXX XXXX and the bill was paid in full on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
The coinbase app prevents me from seeing balances in my crypto wallets. I contacted support via chat and did all the steps I could do and that still didn't fix it. I asked for a supervisor and the agent, XXXX, refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received in the mail a letter from Chase bank notifying me that I'd been preapproved to get a credit card with them. I went ahead and sent my application and was denied. A week later I received a letter stating that the reason why I had been denied was because I already had an account. I spoke to a branch manager a a local Chase bank and he indeed corroborated that an account under a different name but with my social security number had been open a long time ago. The manager tried to help me as much as he could, called a private direct line and spoke to supervisors but unfortunately they weren't able to do anything to resolve the problem. I returned a few weeks later and the manager was able to request a closing of the account due to suspicious fraudulent activity. I've had to deal with this for quite some time now, and I've tried to open other accounts using my social, but have been denied because of pre existing accounts. A few examples are XXXX XXXX, XXXX, XXXX XXXX and just yesterday I found out this person also has an account with XXXX XXXX  XXXX. 
I've contacted the Social Security Office to see what can be done about this, but unfortunately they aren't able to help me since none of these accounts show up on my credit report. I contacted all XXXX credit bureaus and no suspicious activity is shown. Social Security office assured me that in their system, the only person showing up with that social security number is me. The banks tell me otherwise. I am not eligible to change my social security number since I am not considered victim of identity theft. 
I do not know what to do because i am unable to apply for credit cards or even open an account with any other bank because of this issue. 
I do not know who this person is, but I know it is a man and he lives in California and his name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened a savings account with XXXX over a decade ago due to the high-yield savings account. They changed to Capital One a few years back. I believed I was in the high yield savings account collecting the highest interest offere. When I check my account I realized I was only collecting .5 % interest and not the 4.3 they advertised.

All these years I was under the impression I was in the high yield savings account, the only one offered. The Capital one representative informed me that a few years back they introduced a new " high yield '' savings account that was the one that was actually collecting the highest interest rate. I have been saving money for the last 3 years thinking I was collecting the highest they offered. I was never informed that I had to actually open up a new savings account to get their high interest rate. 

This is shady and tricky! How many people who have been with that bank for decades are unaware that the older savings account is no longer the high yield account? I am so disappointed. As a single parent, I thought I Was doing the best thing with my money only to find out my bank did a switch on me and never communicated with me the change. I have lost out on thousands of dollars of interest! 

Check your account if you started with capital one when they were XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Issue with Best Buy City Bank Credit Card - 5 % Cash Back Not Honored Hi there, I hope this email finds you well. I am reaching out to address a significant concern regarding my Best Buy City Bank credit card. I have made numerous calls to City Bank and Best Buy this week, totaling up to 10 calls in total. During these calls, I have opened two case numbers : XXXX and XXXX. Each time, the representatives have acknowledged that I am owed 5 % cash back for my purchases at Best Buy. However, whenever I am transferred to a supervisor to process the credits, the call either gets disconnected abruptly or the supervisor is unable to assist me. 

Interestingly, the representatives I have spoken to also mention other promotions related to gas stations, restaurants, and other entities that are not relevant to my situation. I solely use my card for purchases at Best Buy and nowhere else.

When making a purchase at Best Buy with my City Bank credit card, I am given two options : either to finance the purchase or to receive 5 % cash back. I always select the cash back option.

In an attempt to resolve this issue, I have spoken with two store managers at the Best Buy store in XXXX, IL. Both of them have reviewed my case numbers and have agreed that I am indeed owed the cash back. Unfortunately, they informed me that the issuance of the credit falls under the jurisdiction of Best Buy HQ, and they are unable to assist me further.

I am growing increasingly frustrated with the lack of resolution to this matter. I kindly request your urgent attention to this issue and prompt action to ensure that the 5 % cash back promised on my Best Buy City Bank credit card is honored. I would greatly appreciate if you could provide an update or clarification on how this matter will be resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc.
State: KS

Complaint narrative:
Line of Credit Loan taken out in XX/XX/2023 ; payments and interest rates not stated clearly. After making over {$3000.00} in payments, only {$170.00} had actually gone to paying the principal amount. That is over 300 % interest rate. Each payment made was hundreds of dollars, which is predatory and unreasonable. When I wasn't able to make a payment, choosing between basic living necessities over a {$980.00} payment, I was threatened via text message by a woman named XXXX who stated, " Please be advised that the payment will be attempted at any time without notice, it's best to set something up... '' I tired to resolve the issue and come to an agreement of a payoff amount that doesn't involve more occurring interest at over 300 %, but was told they wouldn't accept anything less than what was owed plus interest. Excluding the interest, the principal amount borrowed has already been paid back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation