vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
I had originally signed documentation to refinance my home mortgage to a conventional loan for a fixed rate of 2.125 % with AmeriSave Mortgage Corporation, NMLS ID # XXXX in XX/XX/XXXX, but the company would not lock the rate in after several attempts to do so in late XX/XX/XXXX and early XX/XX/XXXX. On XX/XX/XXXX, I received a second set of disclosures stating that the rate had increased to 2.25 % due to underwriting. I signed these documents on the date given since I had already paid the application fee of {$500.00} on XX/XX/XXXX. The company has stated that the loan is 99 % complete since XXXX, but will not set a closing date and continues to inquire about information already provided on multiple occasions. When asked for closing dates, I receive no answers and continued excuses with no remediation steps. I have proactively tried to move the process along, but can not get anyone to tell me what I can do to finish the loan process. Under the original agreements, we estimated closing in late XX/XX/XXXX. It feels like they approved a rate lower than acceptable and are trying to get me to cancel my contract. I am prepared to engage my lawyer to seek damage if this is the case.

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 2021-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My partner and I launched our XXXX in late XX/XX/XXXXand by XX/XX/XXXXwe hit a point in our growth where we needed to sink everything we could into our marketing, business development, and operations to support our scaling strategy. What that meant was that for about 18 months, from early XX/XX/XXXXto mid-XX/XX/XXXX, my partner and I ended up taking distributions out of the business that equated to about 50 %  of our monthly personal expenses. Most of the remaining expenses ended up being floated on credit cards. 

Around mid-XXXX, I reached out to CapitalOne on multiple occasions to proactively see if there was a program I could take advantage of where I could establish a reasonable payment schedule so I could pay down my balances. At that point, the business seemed to be going in the right direction and our cashflow woes looked like they would ease up. I was told multiple times that I had to let my payments lapse for 120+ days in order to qualify for any sort of program. So I let that happen as their associates had recommended. That turned out to be a huge mistake. Because life also happened during the course of that time. My business was starting to pick up, which was good, but my mother-in-law lost her 3rd and final bout with XXXX a week after we saw her for the last time over Thanksgiving, and that hit us all pretty hard. 

CapitalOne associates also failed to inform me that going beyond 180 days would result in a charge off. They also failed to notify me that this was about to occur. I inadvertently let my bill payment lapse beyond 180 days which put me in this charge-off situation. Even though I was able to qualify for a payment plan ( and I have been reliably making every single agreed-upon payment since ), CapitalOne account status to charge-off and keeps reporting that to the credit reporting agencies as a charge-off, every single month, even though I have been making my agreed-upon payments. As a result, this situation has had a tremendously negative impact on my credit score. 

The charge-off status on my credit report does not accurately reflect the situation. I have spent the last 6 months trying to get CapitalOne to acquiesce and even offered to pay off the complete balance in return for removing these inaccurate and derogatory marks on my credit report and they have unequivocally refused to do so. 

While I place no blame on anyone but myself in amassing the debt I amassed and had challenges paying off, CapitalOne agents advised me to go down a path which I went down, didn't explain to me that it could lead to where it's led, and now take no responsibility for the part they played.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I sent communication to XXXX, XXXX, and XXXX  credit reporting agencies with a dispute about an item that I did not recognize and had never entered into any agreement with. After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it, I was then told that it was verified. Soon after, I received a letter in the mail from Portfolio Recovery Associates, LLC  stating that I somehow owe them money on a XXXX XXXX  account I had. They showed me old statements that I had with XXXX XXXXXXXX, but I never received a single document stating or showing that I entered into an agreement with Portfolio Recovery Associates, LLC, even after asking for proof. 

After numerous illicit calls from them, I found out that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed upon not being able to verify it, my request just came back verified and was not removed. As I stated earlier, I have never spoken to, dealt with, or entered into any agreement with Portfolio Recovery Associates, LLC. They are illegally trying to collect money from me, and they are hurting my credit and my livelihood by reporting this illegally on my credit report. I do not want to sue anyone but I also take this seriously, and breaking the law to harm me financially is something that I do not take lightly. 

According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a checking account with Navy Federal Credit Union. My account comes with a Debit card linked to my account. 
I have my card linked to my cashapp account. After which, i do not need my physical card to use cashapp. 
I was on the NFCU mobile app when i saw some cashapp charges that didn't look familiar. I immediately blocked my card and disputed the charges online. When i did that, there was a pending cashapp charge for {$2500.00} i was unable to add, and i had to call in to add to my claim ; which i did, and the Agent who spoke to me said the account will be monitored for 5 days. 
NFCU denied my claimed, saying there was no evidence of fraudulent activity. Meanwhile, my card was linked to 3 XXXX accounts and never flagged by my bank. No suspicious or warning alert when these charges were been debited from my account. 
I contacted the Merchant of the transactions, XXXXXXXX XXXX  support claimed my card was linked to 3 different XXXX  accounts. I only have one, and linked my card to my XXXX. Every XXXX account holders identity is verified, including mine ... so tracing how or who made the transfers shouldn't be hard. These charges happened even while i still had my card in my possession, and all the unauthorized transactions were all cashapp charges that do not require physical card once linked. The charges were supposed to have been flagged by my bank, said XXXX support. NFCU never sent me any alert or suspicious call ; you guys allowed the fraud to happen! I have written to NFCU to reinvestigate my claim. They never investigated it in the first place ; because if they did, they would have found that the names attached to the XXXX  transactions are not mine. Every XXXX transaction has a name attached to it, and that's not 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 2021-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have done all of my Banking at Mutual of Omaha ( formally XXXX XXXX XXXX  ) Now, since CIT Bank bought out Mutual of Omaha the personal touch was gone. The bank is only open XXXX to XXXX Monday through Friday, No Saturday 's by appointment only! Then they shut down the bank that had a drive through which too became a major inconvenience, since I work Monday through Friday XXXX until XXXX. On XX/XX/XXXX, I contacted another bank to refinance my home because of a better mortgage rate. However, since I have always done the majority of my banking at Mutual I also had a HELOC along with many other accounts. 

With that being said I was planning on keeping my HELOC with CIT at the time. Unfortunately, CIT never would contact my credit union to get a subordinate letter or form signed, which went on back and forth for several months. The contact person at CIT location at XXXX XXXX XXXX were XXXX XXXX & XXXX XXXX. They were great to work with but still nothing was getting accomplished. 

This resulted in me taking out a loan at my credit union and completely closing my HELOC at CIT in the middle of XX/XX/XXXX. Meanwhile, this has costed me extra fees and interest to both banks to get this accomplished and now I am waiting for a release letter reference my HELOC being paid off and I was told that takes a minimum of three weeks!!

This is outrageous since they have the payoff amount and still not sending the release. I would think a bank would be more customer friendly especially due to the COVID so I could save me from all of the interest & extra fees being generated!! 

This CIT bank is a nightmare and I will not or do not recommend anyone to use them for anything! 

I do have emails and Mr XXXX & Ms XXXX have documentation as well to all of my visits in the bank along with the phone calls trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NY

Complaint narrative:
I have a major credit card with XXXX XXXX. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX XXXX and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.

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 2021-02-02 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: NY

Complaint narrative:
I have a major credit card with XXXX Mastercard. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX mastercard and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit.

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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I keep getting unknown report on my credit report about me owing some kind of debts to these unknown companies I been a victim of identity theft in the past which I have reported and have actually visit a law enforcement agency to report my current situation. Just today XX/XX/2021 have received on my credit report a collection notice and yesterday was the same thing both for XXXX and the other is for XXXX XXXX XXXX  in which I bank with XXXX XXXX can you please assist me on this situation please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Received a credit inquiry alert on XXXX XXXX XXXX. Once opened I noticed a new " Hard Inquiry '' on my report. The company used was XXXX, which I also filed a complaint about. WHen I called them they advised that the original inquiry came from Quicken Loans which I never authorized. This is fraud and would like the inquiry removed asap. XXXX advised that QuickenLoans needs to contact them to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: Credit Plus Inc
State: VA

Complaint narrative:
I was shopping for the best mortgage rate beginning on XXXX-through XX/XX/20. However, CREDIT PLUS, XXXX, XXXX XXXX  XXXX, and XXXX XXXX were all third parties that were used in this process. However, CREDIT PLUS is responsible for pulling my credit as a hard inquiry from XXXX XXXX  on XX/XX/20 which has a file # XXXX, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Secondly, XXXX XXXX requested my credit to be pulled as a hard inquiry on XX/XX/20 and it is listed as file # XXXX. Needless to say, both inquiries were authorized, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. 



Therefore, I would like for both of the hard inquiries to be reported as soft inquiries since they were implemented during my 45 day window of shopping for the best interest rate for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: MN

Complaint narrative:
I have unknown inquiries that is on my credit report that I never authorized. The only inquiries are valid is the ones that I have an open account with. Please get these inquiries removed because it is a having a severe impact on my credit. Please do not allow to credit bureaus to say that I have authorized these fraudulent inquiries without facts. For example my signature, photo ID, and any pertinent information in writing that authorized these inquiries.

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 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: ND

Complaint narrative:
I have tried to do a money transfer from USA to XXXX. The service/used was from Skrill. Transaction Date XXXX XX/XX/2020 Transaction amount {$1000.00} They asked me to submit documents for identity verification before continuing with transaction, I submitted those via their website They came back and said it is not the correct docs. I resubmitted the docs, and still the same issue. Tried this 3 times and since this was not being successful, I requested them to cancel the transaction and refund the money I called their helpline couple of times, send the refund request around 4 to 5 times ( via email ) and they did not processed the refund till date. Now they have disabled my account ( which is fine ) but I have still not got the refund or any status update in this regard. Appreciate your help to resolve this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
On XX/XX/2020, I sent the attached letters to TransUnion, XXXX, and XXXX requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : TransUnion - 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 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 2021-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.

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 2021-02-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, someone tricks us get to our credit card account. When we realize what was happening, we immediately call the Bank Fraud Dept. They lock the card.

On the XXXX, we went to a physical branch to ascertain the correction. We learned that a charge of {$200.00} x6 was put into our account ; Two ( 2 ) went through, four ( 4 ) were pending. They assured us that the four ( 4 ) were stopped, but we were not responsible for the two ( 2 ) because we called on time. On the XXXX, they remove the two charges. To our surprise, we received a letter on XX/XX/XXXX telling us, they reinstated the two ( 2 ) charges because the merchant provided documentation proving we received the merchandise. In essence, telling us we thieves and liars ... 
We have no idea what sort of merchandise is involved. They say the transaction was done outside of our city. We try to reason with them, just the 6 times repetition of whatever the purchase was should be a red flag. It seems that we are too insignificant to provide a convincing argument. So we resort to your office to intervene in such abuse of power ... .Sincerely 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