vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
'NewRez mortgage company has stated that I requested that my complaint be closed. That is absolutely not true!!! The Mortgage company instructed to me that they would close the escrow account that they were trying to establish and I agreed to that only nothing else. How convent for the mortgage company to conveniently for their benefit say something incorrect and false. The mortgage company is stating that they paid for XXXX and XXXX XXXX XXXX taxes. They have never paid our taxes. All taxes have been paid by the XXXX 's since owning the house. We have never signed or given permission for anyone to pay our taxes. There is no signed document on file given anyone permission to do so. NewRez mortgage companies stating that they paid money in XXXX toward our taxes. The money that was sent was sent back to the mortgage company. In no way would we have been allowed to owe money from XXXX and the money is being requested back in XXXX. That doesn't make since. As the law states " if you are 65 years of age or older, or have an exemption because you are XXXX you can be placed on a payment plan. '' Which myself XXXX XXXX XXXX XXXX is XXXX  XXXX and therefore given the legal right to do so. I know NewRez Mortgage Co is aware of that and therefore I can not understand why my wife and are are being harassed as seniors and XXXX XXXX 's and XXXX. There is one payment from NewRez Mortgage Co sitting in the tax office not being applied to anything!! It can't be applied because the taxes have been paid by XXXX XXXX XXXX no one else. The tax office is stating " REQUEST YOUR MONEY BACK!!! ' NewRez has placed late charges on XXXX XXXX credit because they have decided to take the mortgage payment and try to HARASS us seniors into having a escrow account by putting the money somewhere else. We are not and have never been late with our Mortgage not with NewRez or any mortgage we have ever had in our lives with the three homes we have owned. If we owed Money why did NewRez return mortgage payment back to us? Please stop have fifteen different people talking to us to correct this and maybe you can straighten this out if you really want to. Is it NewRez, Is it Shell-point? Who's is actually in charge?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021, I applied for a VA IRRRL Refi ( Interest rate reduction refinance loan ) or VA streamline loan. Currently I have a VA loan at 3.25 %. I spoke to XXXX XXXX, Loan Originator from AmeriSave. He told me he could get me 2.25 %. He asked for my social security number and I asked why since the VA does not require a credit check. He said to make sure I hadnt filed for bankruptcy. I gave it to him and expected him to do a soft pull. Next I called my current lender, XXXX XXXX, to shop rates. XXXX XXXX asked me why AmeriSave ran my credit, as they did a soft pull and saw the hard pull from AmeriSave.

The next day two different processors from AmeriSave requesting documentation from me which is unnecessary for the IRRRL. I view the loan disclosure which show the loan type as VA full documentation. Not the VA IRRRL. XX/XX/2021, I sent XXXX XXXX an email asking why : 1. The loan was switched, 2. Why was there a hard inquiry on my credit report. And lastly I did not want to continue the loan and to stop processing. To date I havent gotten a response. 

Then a processor named XXXX XXXX contacted me requesting more documentation. I responded to her and said the same things I said to XXXX. She responded with an apology and said she would request XXXX to reach out to me. 

Another processor from AmeriSave named XXXX texted me saying he was waiting for documentation. I replied with same thing I said to XXXX and XXXX. Why was my loan switched and why was there a hard inquiry on my credit. 

AmeriSave sent me a survey on XX/XX/2021, asking how they are doing. For the 4th rime I restate why was my loan switched and why was there a hard inquiry. 

AmeriSave sent me an email on XX/XX/2021, which states they closed my file for incompleteness and enclosed a statement of credit denial. 

Not only did AmeriSave switch my loan from a VA IRRRL to a VA full documentation Refi, they made a credit inquiry and then denied me credit.

To date, no one from AmeriSave has reached out to me to rectify the situation.

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 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo mortgage. Called 3 time no response to question on deed being transferred into a trust. 60 days without an answer. Holding up an estate resolution.

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 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.

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 2021-06-04 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: NV

Complaint narrative:
The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score. This is considered identity theft where I gave no written consent to anyone to use my information. I am exercising my rights. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Credit Counsel not being able to verify the account numerous of times nor provide any type of proof I would like this removed. I am due for the monetary relief of XXXX  since my information has been validated. 
There has been phones and letters stating a debt that I do not owe. I requesting for help for this items be deleted from my credit report along with the stress it has caused me. 
Thank you,

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 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was informed that an account was fraudulently opened with Chime Bank on XX/XX/2021, using my personal information, after receiving a card in the mail. I immediately contacted Chime Bank to report the identity theft and was advised they would 'escalate the case ' and I would get a call within 24 hours. I did not get a call. I called again to inquire about the status of the identity theft case, and I was advised 'the case was not set up properly '. I was again advised I would get a call within 24 hours. I never received any response. 
I then mailed a fraud packet to Chime Bank to formally report the identity theft again. This packet included a 609e letter ( a request for records ), a fraud affidavit issued by the Federal Trade Commission, my police report information, a copy of my government issued ID, proof of my Social Security Number and proof of my address. The fraud packet was delivered to their office by USPS Certified Mail on XX/XX/21. 
In my letter to Chime Bank, I requested the account be closed as fraud, or to have my SSN removed from the account so I am not liable for the account or balance. I also asked the appropriate reporting agencies to be notified of any correction to the account associated with my personal identifying information. Lastly, I requested a letter, or email, be sent to me outlining the results of this dispute at the completion of the investigation. Chime Bank still has not closed the account nor have they responded to any of my requests to date. 
I expect Chime Bank to address the identity theft issue and to close the account as fraud/identity theft. I would like my information flagged so it can not be used again in the future, and I would like a confirmation letter acknowledging the above requests be sent to me for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am the victim of identity theft. Proven in court and by the FBI. Fingerprints did not match. 
Experian credit reporting has broken the law, specifically section 605B of the FCRA. 
Experian removed a fraudulent account back on XX/XX/2019, which was XXXX XXXX XXXX. I contacted XXXX XXXX to get my social security number out of their system. Instead of removing my info, they changed the fraudulent account information to mine, including my name and address and other info, illegally. Address I never lived at, a name I never used. Experian is guilty and they claimed to have investigated this, and that the account removed 2 years ago, now is verified as mine. Lies and harm heaped on me.

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 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00} -- TWICE! 

A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00}. 

A letter demanding payment for two separate amounts of {$1600.00} was sent to me with a date of XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX. All parts of this letter are attached as files to this complaint. 

This is a bill for an ambulance with a date of service in California from XX/XX/XXXX. It is now XXXX and I live in New Mexico. I do not owe the company this money. I did not acknowledge the debt and " reset the clock. '' This company is attempting to ruin my credit in order to illegally intimidate me into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hi, I have had the exact same credit score with Equifax for over 2 years, which is extremely abnormal considering my contined score improvement with the other bureaus. I've looked at my report and I don't see anything out of the ordinary, all great reporting from creditors. I called Equifax and they will not help me or tell me how my score could be the exact same number for years. The guy I spoke to today, XX/XX/2021, said he can only see what I see when I pull a report. I repeated multiple times that the trouble is not with the report but something to do with my account because it's not updating. He continued to refuse to help. I can not dispute credit items because there is nothing to dispute. This is keeping mid range score ( from the three bureaus ) down and affecting my ability to refi for a better rate. 

I have gotten new cards over the past couple of years and they use them and pay them off regularly so I know my score should be going up. 

I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing this complaint against BMO Harris Bank. 
This bank stopped my debit card and will not send a replacement card and hence I have no access to my money. 
I have contacted their customer service numerous times and they will not send me a replacement card nor close my account and send me my money. As a result they are keeing my money and preventing me from accessing it.

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 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received an ACH payment for my 2nd draw of my PPP Loan. I went to my local Bank Of America branch to try to withdrawl the money and a XXXX hold was put on my account. They told me they had to verify wether the loan was in my name or not and to come back in 24 hours. The next day I call the fraud department that they tell me to call and the representative tells me they are still confirming the loan. After hanging up I try logging on to my mobile banking only to realize that I no longer can access my account. I proceed to go into the branch and the manager tells me my account has been closed. Its been only 24 hours and now my account is closed without any explanation as to why and they are telling me it will take 90-120 days for the investigation to finish before my funds can be mailed to me. They will not allow me the chance to prove my transactions are legitimate nor will they even give me a clear answer as to why it was closed.

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 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
On the last week of XXXX, I received a call from Automated Collection Services , Inc. regarding an alleged balance with XXXX Hospital. The lady was talking nonstop about the balance and how I need to pay over the phone asap. As I tried to tell her that I haven't received the bill because I am out of the country, she began talking over me, making sarcastic comments on how come I didn't receive the bill, etc. At which point, I had to raise my voice so I can advise her once more that I am out of the country. I gave her my email to email me the bill, which she said she would that week. Through the call, her harassing tone was annoying. 
A week passed with no email, and on XX/XX/XXXX, another rude and ill-mannered female called and asked me to pay again, while she too was harassing me about the bill. Again, I had to raise my voice so she can finally hear that I haven't received the email. In fact, I told her to forward me that email ( since according to her was sent to me ) while we were on the phone, and instead, she continued to harass and finally, she hung up the phone. 

I called back and spoke to her manager who apologized, however, I do not appreciate being harassed like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNT ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT, I HAVE FILED A POLICE REPORT AND A FTC REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Background : My Chase Sapphire Reserve Credit Card currently has an annual fee of {$550.00} and a Credit Limit of {$1500.00}. I was charged the annual fee on XX/XX/XXXX this year. Chase has reached out and said that they would credit {$100.00} to reduce the annual fee to {$450.00}. 

Issue : Per the Credit Card Accountability, Responsibility, and Disclosure Act of 2009, no company can charge an fee ( including an annual fee ) that is more than 25 % of the credit limit. The current annual fee, that I am being charged now, is above this threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has a loan listed as outstanding on my credit report. This information is false not only has this account been closed, they have also sent me the title/lien release with a letter stating there is no outstanding balance. Yet they are reporting that there is an outstanding balance. Ive asked for this incorrect information to be removed, to no avail. This incorrect information is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation