vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to Amerisave Mortgage Company to refinance my home. I google some of the companies that had decent reviews and options that seem to fit my needs and began the process. XX/XX/XXXX XXXX credit inquiry reported Amerisave Mortgage Company pulled my to refinance my current mortgage. We started the process in late XXXX and I have still not completed the process of today XX/XX/XXXX, this is going on 3 months. 

My credit was pulled 2 additional times after the first inquiry. I was told that I did not qualify for the first 2 options that were conventional loan. My only options would be FHA loan. I was originally promised that I would not need an appraisal and my initial payment would be refunded. Now I am told it will not be refunded or go toward closing but instead it was payment for the appraisal. I have been in my home for 3 years, it has increased in equity XXXX with not late payments of fees. 

I provided them with all document and information as requested including XXXX, XXXX, banking and employment W2 's. I am being told now that 3 months during the XXXX pandemic when the world was shut down a gap in employment does not provide 24 months of employment history. I advised them of all this information early in the application phase via phone, email and web portal but continued to string me along now I am being told I need to bring XXXX dollars to closing and show proof of employment for those 3 months. There original attraction was no closing cost or appraisal fee which was part of the reason I applied with Amerisve Mortgage. 

Currently I am out XXXX dollars for appraisal fee, XXXX dollars supposedly due closing cost, I am back into an FHA mortgage with PMI insurance. I have no closing date and they are still requesting employment history because of 3 months during pandemic. I have worked in construction industry for XXXX years and have never been late on mortgage or missed a payment including during the pandemic. 

Technically I am paying for inadequate service with no result or end insight. I attempted to switch to another refinancing company but was told that would not change the outcome it would be the same issues because all underwriting have my information since I started the process with Amerisave and my options limited. Currently I like I am in an endless loop where the target continues to move with no end in sight. I have send email and required to speak to supervisors or underwriting ; No change or help with resolving my issues. This is completely unprofessional in my experience and do not know how to accomplish my goal o reduce payment and take advantage of lower interest rates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently noticed my credit report are showing inaccurate and unverified information that is harmful to my consumer credit profile. I have requested for my instruction to be followed with the certified mail return receipt, sent to Experian. Mail Sent : XX/XX/2021 I also had a phone call with Experian reps. I confirmed with a Experian Rep XXXX, on XX/XX/XXXX, the call started XXXX confirming Experian received my documents on XX/XX/2021 and ended with her acknowledging Experian follows the FCRA and the laws that I stated to her are deemed in my right to be granted. The phone # : XXXX XXXX XXXX XXXX XXXX I have requested Pursuant to 15 usc 1681b ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given Experian permission to report anything on my consumer report. No consent is IDENTITY THEFT. I am demanding the removal of this account : XXXX XXXX : XXXX. 
XXXX XXXX : XXXX XXXX XXXX : XXXX I also requested the removal of 2 hard inquiries of XXXX and XXXX on XXXX XX/XX/XXXX XXXX call started ) with Experian Representative XXXX XXXX she proceeded to remove those hard inquiries and said it would take 24hrs. I have allowed Experian time to fix issue in 30 day timeframe and Experian representative assured me all laws within the FCRA will be followed.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hi, Back in XX/XX/2020 I opened a Checking account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could do it so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I'm living in XXXX and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me. I called a couple of more times and they didnt care about the travel restrictions going from XXXX to USA telling me the only option is to visit a branch. A year has passed and travel restrictions are still in place for non essential travel and the bank is refusing to give my money back. I have lost almost a full year of interest or any other gain I could get because the money is in suspense and since the account is closed I have not the certainty my money is safe. There has to be a way the bank can help me here in XXXX so I this issue can be solved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX times to take off XXXX addresses and XXXX comany email that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Instarem PTE Limited
State: CA

Complaint narrative:
I placed a money transfer for {$5500.00} on XXXX through INSTAREM ( XXXX ) to my mother in law in the XXXX XXXX XXXX ), for purposes of building my house there.. I've made 10 similar transfers over the last six months. They inquired for a second time about our relationship and purpose, so I told them again. My money transferred to their New York account on XXXX, and since that time the transfer has not happened, still " processing ". I've contacted them through email and chat approx. 15 times, and I'm just getting apologies and we're working on it. I feel as though they are holding my money, and not responding to my concerns ... I'm not sure if it will ever be released. I asked 3 times for a refund, and they just tell me to hold on. It's been almost 2 weeks since my order was placed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MO

Complaint narrative:
After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports. 

Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days. 

So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021. 

The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX  and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attempted to obtain my free credit report via XXXX and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by XXXX  Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

Experian is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!

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 2021-05-20 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I paid off my loan with Ally Financial on my XXXX XXXX. I had an extended warranty on this vehicle. The warranty company sent a check to Ally Financial in XXXX and again in XXXX. The check is for {$5800.00}. This is an overpayment!! I have yet to receive my check. I have called Ally several times and each time they are telling me that it takes 1-2 days for the check to approved. They are holding my money and have been for months.

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
In XXXX of XXXX I requested a forbearance from my lender ( Flagstar Bank ) due to financial ssues I was facing because of Covid 19. The process for applying for the forbearance was promoted on the Lenders website and was a extremely simple process with no questions asked except whether I was facing a financial hardship. Once that question was answered there was no other follow-up questions. The forbearance began and was originally meant to go 6 months. Later they offered to extend to a full year. One again no questions asked. I accepted because all along I was told that when the forbearance ended they would work with the restructure the loan and that I would not owe the amount accumulated during the forbearance. In XXXX of XXXX I called to end the forbearance and begin the process of restructuring the loan. I was told to submit a loss mitigation application and they would review it and call with the details of the restructure. After about 2 weeks they told me they couldn't help me because I did not occupy the property. The home is used as a rental. They explained that the investors guidelines for my loan type do not provide loan restructures unless I occupy the home. I was never told this when I began the forbearance. I was never asked any follow-up questions when I set up the forbearance nor any time during the forbearance about whether or not I occupied the property or if it was a rental. It wasn't warned on their site that some loan types are not eligible or that renting the property was an issues for some loan types. I would have never began the forbearance and accumulated this unpaid mortgage amount if I had known or was asked those questions. They have told me there is nothing I can do. They did extend the forbearance until XXXX so I could find some potential help. Hud.gov has also given me no solutions. At the end of XXXX I will have the entire accumulated amount due if there is no other options provided. This will likely lead to a foreclosure in the coming months. I owe roughly {$11000.00}. 

My complaint is that was never told this was an issue when I began the forbearance nor was it even a question asked online when I set up the forbearance. How could I have known that was an issue? Their website all says that there is no risk in setting up a forbearance and that they " There to help ''. It was misleading and now I am in an extremely difficult situation.

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 2021-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Re : Attached SunTrust Mortgage Inc. 
Loan Modification Agreement # XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX PLEASE ADVISE THE STATUS OF THE ATTACHED LOAN MODIFICATION AGREEMENT. 


Thank you, 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 2021-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received the letter from BOA customer complaint and was asked to call back to verify the case with XXXX XXXX, No matter how many times I call and leave many voice messages, but I still cant find her, maybe they were reluctant to solve my problem. I have the evidence of Call outs list The Email from the BOA : Dear XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX XXXX. 

Please note that we will be responding to your concerns via a secure email. Please follow instructions in that email to access our response. If you need additional assistance please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

This communication is for information al purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. 

Thank you, XXXX XXXX XXXX XXXX Regulatory XXXX Bank of America XXXX, extension XXXX Case number : 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 monetary relief
Consumer complaint received 2021-05-20 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:
HELLO, I SUBMITTED A CFPB REPORT THE OTHER DAY AND WAS TOLD IT WAS INVALID, SO I AM SUBMITTING. I AM DEMANDING THAT THIS BE TAKEN SERIOUSLY, THERE IS INFORMATION ON MY CREDIT REPORT THAT HAS NOTHING TO DO WITH ME AND AM DISSAPOINTED THAT EACH CREDIT BUREAU ISNT HELPING ME AT ALL ... .. 

MY NAME IS XXXX XXXX XXXX ... .AND I AM DEMANDING THAT PURSUANT TO SECTION 605B OF THE FCRA THAT THE INFORMATION ON THE DISPUTE LETTERS AND FTC REPORT BE BLOCKED ASAP!

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I NOTICED IN MY CREDIT REPORT ACCOUNTS IN TRANSUNION THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/XXXX. 

HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. 

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 2021-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was 30 days late on a {$5.00} kohls credit bill. I receive no paper bills for this credit card or email bills. I was unaware I owed a balance. They reported me delinquent and I had excellent credit. I have no history of late payments. kohls said they are unable to fix this problem and XXXX XXXX considered that 30 day late " delinquent '' I never made it to 60 days past and payed the bill in full. I would never purposely be late on a payment and this destroyed my credit score dropping it 50 points. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: SC

Complaint narrative:
On XX/XX/16 A credit card was opened on my name. I have never applied for a credit card with this company. I dont have a credit now nor have I ever had any. Ive disputed this debt twice and both times they said the card was mine. It absolutely is not mine and is showing up on my credit report. Ive talked to someone from this collection agency to no avail. She was rude and basically told me to pay it.

Company response to consumer: Closed with explanation