vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I wanted to refinance my existing loan XX/XX/XXXX with Amerisave. Amerisave is in the business of " bait and switch ''. I was told that I could get a loan basic on my credit score ( XXXX ) and income. They had me get an appraisal XXXX to start the loan process without a " Good Faith Estimate ''. Amerisave required consumers to order and give payment authorization information for an appraisal before it would provide a Good Faith Estimate ( GFE ) for the mortgage, I found out later that the appraisal orders were being referred to its own affiliated company. During the loan process there was always something they needed. The out come was to get a loan for XXXX dollar more than what loan owe on my original mortgage. Amerisave was fined by CFPB Orders Amerisave To Pay {$19.00} XXXX For Bait-And-Switch Mortgage Scheme XX/XX/XXXX. I called amerisave customer service, I just wanted a refund of my appraisal fee and got the run around. Something needs to be done about scams companies like Amerisave. Thanks.

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 2018-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XX/XX/XXXX & XX/XX/2017, a local car mechanic defrauded me on multiple levels. He charged me to install an engine that had many more miles than represented. He charged me for strut mounts that he did NOT install. He charged me for items that were not authorized. And the work that he did was so incredibly substandard that the engine wiring harness melted, rending my car inoperable. It was towed to a dealership where I incurred even more costs just getting it to run again. It still has problems. 

The mechanic said the engine had XXXX miles. It actually had XXXX miles. 
He said there was a 2yr warranty. It was only 100 days. 
He claimed to install front strut mounts. He did not. 
He charged for a water pump & timing belt yet those were not authorized. 
He charged me to paint my hood & bumper but the color doesn't even match the rest of the car. 
Total amount Capital One gave to the mechanic was {$3100.00}. 

I opened disputes. Followed every step to the letter. Provided 60 pages of documentation and rebutted the mechanic 's lies. Even the Oregon DOJ spoke with Capital One and confirmed I'm a victim of fraud. 

CapOne LOST my 60 pages and then " closed '' the dispute in error so the window of dispute with XXXX was gone. CapOne then apologized. Admitted they goofed. Exec Office PROMISED they'd remedy this. Now today CapOne only gave me a partial refund claiming that's all I requested! ( That's a lie & I have copious documentation & notes. ) They again claim I failed to provide adequate documentation even though the Exec Office confirmed I met the requirements and even exceeded them. 

CapOne violated my dispute rights when they closed the dispute in the first place. They've now victimized me by failing to refund the {$3100.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: MS

Complaint narrative:
XXXX  XXXX XXXX refinanced my loan with the loan Brokerage company and received my escrow funds from XXXX XXXX and did not forward my escrow refund to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In a form letter dated XX/XX/XXXX U.S. Bank advised me that they have told a credit bureau about a late payment, missed payment or other default on my account. This notice was forwarded to the credit bureau by U.S. Bank over XXXX cents. Yes, XXXX cents. I just wanted to put this report in proper context. 

On XX/XX/XXXX at approximately XXXX hours I contacted U.S. Bank by telephone. The third person I spoke with identified herself as XXXX and stated she was a manger. She later provided me with a direct telephone number of XXXX. I gave her my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I explained that XXXX XXXX payment was due XX/XX/XXXX. I did not want the payment to be late, so I made the payment on XX/XX/XXXX. She stated it looked like U.S. Bank applied two payments to the same month. She stated that the matter was completely 100 % the banks fault and that she would file a dispute with U.S. Bank on my behalf. 

The story changed when I received a second letter from U.S. Bank. This letter stated that my payment on XX/XX/XXXX did not satisfy the amount due on XX/XX/XXXX because the payment was XXXX cents short. The letter stated that this left my account past due and a late fee was assessed on XX/XX/XXXX. The letter stated my payment on XX/XX/XXXX satisfied the payments due on XX/XX/XXXX and XX/XX/XXXX to bring my account current. 

Please note that I have been a customer in good standing with U.S. Bank for several years. I have both a home equity loan and a mortgage with U.S. Bank. I never received notice that my payment was XXXX cents short. I was not provided with an opportunity to pay the XXXX cents before I was charged with a late fee and reported to the credit bureau. I made a payment to U.S. Bank for over {$350.00}. Again, it was XXXX cents short. 

The third letter I received from U.S. Bank stated, the account information submitted by U.S. Bank to the consumer reporting agencies was accurate and no changes will be submitted. I believe U.S. Bank has treated me shabbily. I wanted the opportunity to put any generic statements via form letter the bank made in proper context. My FICO score has dropped considerably and I hope you will consider my position

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 2018-03-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Signed up for Experion 's " TustedID Premier '' service on XX/XX/XXXX, which was the last day of the offer. Received their Activation Email at XXXX. At XXXX was unable to sign up due to " System Unavailable ''! At XXXX it was " high volume ''. Tried a different computer at XXXX with the same results. Called their Customer " Support '' at XXXX and spoke with XXXX who promised to " escalate '' my case. Called them XX/XX/XXXX to followup and was told by XXXX that the offer was expired and could not be overridden. Requested a supervisor and XXXX told me the same same thing. Offer expired -- -can not be over ridden etc. She said they would again " escalate '' my information for further review and get back to me in 10 days or so. Of course, I never heard back from them. Evidently, " escalate '' to them has a different meaning.

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 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX REPORTED A COLLECTION ON MY CREDIT REPROT FOR {$2800.00} STATING IT WAS FOR XXXX XXXX XXXX BUT I NEVER HAD XXXX XXXX XXXX .... THEY FAILED TO VALIDATE THIS COLLECTION DID NOT PROVIDE ME WITH ANY PROOF THAT THEY HAD THE RIGHT PERSON .... INSTEAD THEY ARE NOT CALLING MY WORK AND MY RELATIVES.. I ALSO CALLED XXXX XXXX XXXX WHO DID NOT AND COULD NOT FIND ANY ACCOUNTS UNDER MY SOCIAL # ESPECIALLY NOTHING IN DEFAUL. XXXX IS A FRAUD AND ATTEMPTING TO COLLECT ON THE DEBT THAT DOES NOT BELONG TO ME. EVEN AFTER RECEIVING CEASE AND DECIST THEY KEEP HARASSING ME ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ZWICKER & ASSOCIATES
State: LA

Complaint narrative:
On XX/XX/17 XXXX XXXX XXXX XXXX notified me by email that they were collecting balance due on credit card on behalf of XXXX XXXX. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
Zwicker and Associates notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our XXXX. Which we solely depend on to do business. 
Zwicker overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Paramount Recovery. Paramount Recovery placed a collection account on my XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. Paramount Recovery did not provide any documents or evidence to verify the account, but instead XXXX kept the account on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX   reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Paramount Recovery did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: WA

Complaint narrative:
There have now been three attempts to validate XXXX account on my credit file. They conducted an investigation in XX/XX/2018, but their investigation conflicts with XXXX   investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and Transunion and XXXX have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I am being aggressively contacted and threatened with legal action about a debt that I don't owe and that no one has even tried to validate. 

I received a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, that incorrectly stated that my XXXX/XXXX XXXX account is in collections in the amount of {$500.00}. This is not true because I paid off the card on, and didn't use it after, XX/XX/XXXX. 

I responded with a request to validate the debt on XX/XX/XXXX. I never received a response to that request. 

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, that said I owed {$500.00} and if they didn't hear from me by XX/XX/XXXX, they'd pursue legal action. I responded with a request to validate the debt on XX/XX/XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX, again stating that if they didn't hear from me by XX/XX/XXXX, they'd sue me. 

In addition to the aggressive attempts to collect on a debt that I don't owe ( and that has yet to be validated ), XXXX XXXX XXXX has been calling me excessively ( two to three times per day on the weekend, and at least once per day ). I requested that they put me on their Do Not Call List, only to have them call me again two hours later. 

You may wonder, " Why won't you speak to XXXX XXXX XXXX over the phone? ". Because I have read a lot about their shady business practices, so I will only communicate with them in writing. 

Here are the dates and times XXXX XXXX XXXX has called me : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX ( this is when I told them to put me on their Do Not Call List ), XXXX XXXX, and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX This is a lot of harassment and attempts to aggressively pursue a debt that I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion charged me on my credit card for credit checking services that I did not request. 
The charges were as follows on my XXXX Credit Card XX/XX/XXXX for {$29.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, XX/XX/XXXX for {$19.00}, Total Card Credit Bill = {$160.00}. 

I discovered that my credit card had been charged in early XX/XX/XXXX. I called Transunion Company on XX/XX/XXXX. It was my understanding that Transunion would refund me for all of the above charges. Instead, Transunion refunded me for only {$19.00}. I contacted my credit card company which is XXXX XXXX. They refunded me for two months of charges. Therefore, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX bills have been refunded to me ( 2 x XXXX by XXXX XXXX XXXX and {$19.00} by Tansunion ). 
I am requesting that the other charges for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be reversed and that I get a refund for the charges for a total of {$100.00}. 
I called Tranunion Company on XX/XX/XXXX in order to resolve the issue. I called Transunion ( Ph XXXX ) and spoke to an Employee/ Supervisor with the name of " XXXX XXXX '' He refused to give me his last name. He gave me the following reference number : XXXX. The company refused to credit me for the charges.

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 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I opened an XXXX XXXX XXXX XXXX Credit Card to pay off a USAA XXXX XXXX card. 

XXXX sent a check to XXXX XXXX with my account number on the check. The check cleared XX/XX/2018. USAA continues to claim they have not received the check. 

The USAA XXXX XXXX even shows no balance on my credit report but USAA still claims they don't have it and continue charging me interest!!! 

I have called on multiple occasions for weeks. I tried to send them a copy of the check, they finally ( a week later ) gave me a fax number to fax the cleared check ( fax went through fine ) but when I call, no one has seen the fax or the cleared check. 

The customer service people keep saying it is not their problem, the check never got to them. They even told me there are notes on the account that XXXX cashed it, not them, when it says both XXXX on the cleared check AND XXXX XXXX and XXXX and XXXX. XXXX   are the same thing ( a quick XXXX search told me that ). 

They told me to have the other bank look into it, I told them did, they sent me the check so YOU could track it. Now, they claim once again they are looking into it. Meanwhile, they continue to charge me interest so I am carrying two {$10000.00} credit cards. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. 

Experian and XXXX are illegally reporting this State Tax Lien, after 3 dispute attempts.

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 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Bureau
State: LA

Complaint narrative:
I initiated a dispute with XXXX and XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Account Control Bureau. Account Control Bureau placed a collection account on my XXXX and XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX and XXXX   responded with a copy of my credit report stating that the account in question was verified by the creditor. Account Control Bureau did not provide any documents or evidence to verify the account, but instead XXXX and XXXX kept the account on my report. I initiated another dispute to XXXX and XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX and XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Account Control Bureau did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello, This complaint is about Re-Aged XXXX XXXX/XXXX account. 
I signed up for an XXXX XXXX store card sometime in XX/XX/XXXX. I bought a house and move in XX/XX/XXXX.  At this time, I called XXXX XXXX and asked them to update my address. However, I think the representative forgot to update the system or for some reason, XXXX XXXX kept sending bills to my previous address so I never received them. I rarely used my XXXX XXXX card so didn't realize I was missing a bill from XXXX XXXX. Instead of contacting me by any other method such as a phone call or an email about this unpaid bill, XXXX XXXX decided to close my account and reported this on my credit report. Initially, the Date of First Delinquency of this account was  XX/XX/XXXX  or XX/XX/XXXX, since at that time I missed my first payment. However, in my recent credit report, this date has been changed to XX/XX/XXXX. and XXXX XXXX keeps reporting it every few year. This is a malpractice under Section 623 ( 5 ) ( A ). 

I received a call from XXXX sometime in XX/XX/XXXX about this debt, and I agreed to pay it off if they would take it off my credit report. The agent agreed to it, so I paid the amount with an interest. However, instead of removing this account from my credit report, XXXX XXXX re-aged the debt and keeps reporting it on my credit report every few years. The original debt/bill was only for {$48.00} dollars. I paid over {$58.00} with an interest.

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