vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 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 own a condo in FL with a mortgage rate of 6.56 %. In XXXX 2019, I contacted Amerisave Mortgage to apply for a refinance and was told the rate would be 3.8 % .A great deal of paperwork was faxed and emailed. I had been asked what my gross monthly pension check was and my gross monthly social security check was. After being told everything looked good I was asked to pay {$XXXX} for an appraisal fee, which I did. After that the underwriters received a copy of my tax return and I was told the mortgage had to be rejected because a portion of my social security was subject to taxes ( however no tax was paid-enough had been paid by my pension ) I strongly suspect this company could not place my 3,8 % mortgage and I requested a refund for my {$XXXX} appraisal fee..of course they refused

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 2019-07-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX we were put on a repayment plan with our Mortgage due to financial struggles. The Mortgage company Wells Fargo placed us on a repayment plan where we would pay our mortgage plus the late payment and was set to be caught up by XX/XX/XXXX. Wells Fargo had our mortgage account listed as Natural Disaster with the credit bureaus which kept us from being reported late. 

On XX/XX/XXXX I spoke with representing XXXX XXXX and she assured us, along with a third party on the line that we were not being reported late, they would not report us late while on Natural Disaster and we were approvable for any further mortgages. She stated the Natural Disaster would remain on our credit report until after XX/XX/XXXX. 

After that phone call they decided to remove the Natural Disaster and report us delinquent in arrears despite that phone call. Due to this situation we are now without any home and unable to obtain financing due to their actions. 

I would like Wells Fargo to remove those two late reporting on my credit for XXXX and XX/XX/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 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed this XXXX account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX  shows a XXXX, this account has been on my report for seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, Experian shows a XXXX, this account has been on my report for seven years

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 2019-07-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
For the last two months i have sent 4 faxes with all my personal informatio, spent hours on phone with equifax are on hold. And they still havee not recieved my info, they told me a man in XXXX was assigned my social security number and i needed to file for a new one, however that is not the case after going to social security office. Equifax put that guy in california in the system with my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX dealer services  is damaging my credit by reporting a XXXX charge-off on an auto loan ( XXXX XXXX dealer services, partial account XXXX .... ) the original charge-off amount was for XXXX dollars which XXXX says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of XXXX XXXX, XXXX  owed me XXXX dollars since XXXX for insurance charged that I didn't need.XXXX  discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
XXXX has " discovered '' they have owed me XXXX dollars since XXXX..XXXX  sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET XXXX XXXX WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE XXXX HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.

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 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My mortgage servicing company, Dovenmuehle, took over my loan after it was transferred. We have an escrow account that they are supposed to pay our homeowners insurance and taxes out of each year. We received a call from our insurance company that our policy was cancelled due to non-payment. We called Dovenmuehle and they informed us that they had only received the declarations page from the insurance on the XXXX of XX/XX/2019 and need at least 30 days to send a payment. They then promised they would overnight a payment to the insurance company to pay the outstanding bill. We called the insurance 3 business days later and they had not received a payment. At this time we paid the insurance annual premium out of our pocket. We immediately called Dovenmuehle and they informed us that they had intended to sell our mortgage last XXXX, but never did, so there was a payment hold placed on our escrow account so they cancelled the overnight payment and didnt call us. They then requested we email them the receipt of the payment we made on the insurance and they would refund us the money and that they would have the payment hold removed from our account. Three business days later we got a letter in the mail saying that they would be purchasing homeowners insurance for us because our policy lapsed and they didnt have proof of our insurance. We immediately called Dovenmuehle again and they informed us that the stop payment ticket had been closed and they didnt know why so the payment for our taxes next month might not go out either. They also informed us at first that they didnt have any proof of the insurance both our insurance company and we had provided. After asking them to look into it further, they determined they did have both the receipt of payment and the full declarations needed and would process our refund check as soon as the payment hold was removed, they could not provide a timeline for when this would occur. They also could not confirm they wouldnt charge us for the insurance they had purchased on our behalf. To date we have still not received a call as they indicated we would and we have not received a reimbursement check for the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX XXXX  credit card number XXXX apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX XXXX saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX instead XXXX XXXX, I also found out that XXXX XXXX is owned by XXXX and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank. Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' XXXX instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX 's NOTE : I have paid my balance with late fees to XXXX  which is XXXX dollars, my desputing is with XXXX XXXX wrong claim of {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I believe this happened on XX/XX/XXXX. I was on USAA online website looking at mortgage information. They said you can get " pre-qualified '' online. I looked up this term to be sure i understood correctly. " pre-qualify '' means a soft inquiry like credit cards received in the mail usually do. So i decided to see if i pre-qualify for a mortgage. As soon as i hit submit i received alerts that my credit just received a hard inquiry. I did not authorize such an inquiry. I looked at USAA online and they now said i was " pre-approved ''. I NEVER submitted for pre-approval. I attempted to contact them, more than once, and could never seem to reach someone who could directly help. They said there was nothing they could do, my credit was already pulled. I tried explaining what happened and they still claimed they were unable to do anything to fix it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Company is repeatedly calling me in a short period of time. They are affecting my place of work, as well. They are calling both my personal cell phone and my place of employment with no regard to my requests to stop. 

Here are the date, times, phone numbers they used, the location of the call ( work or cell ), if they left a voicemail, and what was discussed when they spoke with me or message on voicemail. 

Date Time Phone # Called From location called XXXX? What was said XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX Unknown Work, call transferred - Advised not to call me at my job, would not verify personal information at this time, call rep became hostile. 
XX/XX/2019 XXXX XXXX  XXXX Cell Yes 53 second voicemail, did not say anything XX/XX/2019 XXXX XXXX   XXXX Cell no XX/XX/2019 XXXX XXXX BLOCKED CALLER ID Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX  Unknown Work, call transferred no attempted to verify personal information, after I clarified not to contact me at work again, disconnected call XX/XX/2019 XXXX XXXX XXXX Cell no XX/XX/2019 XXXX XXXX XXXX Cell no

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered Midland and they said there were trying to collect {$3000.00} out from XXXX XXXX XXXX. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered XXXX and they said there were trying to collect {$3000.00} out from Ace Cash express. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX now currently known as XXXX XXXX is reporting incorrectly to XXXX   and XXXX  a collection in the amount of {$2600.00}. Please see XXXX XXXX XXXX partial account number XXXX listed on pages 48 and 49 of the attached credit report. I did reside at XXXX XXXX XXXX from XXXX to XXXX. ( Attached is a copy of the lease agreement from XXXX to XXXX. ) On XXXX I received a letter with a copy of a lease from National Credit Systems , Inc. collection account number XXXX ; NCS Account number XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) This document shows an electronic signature on XXXX with occupancy dates of XXXX to XXXX. First, the electronic signature has my name misspelled, and Second, I did NOT give any authorization to use a computer generated signature. I moved into my current place of residence on XXXX. My lease renewed on XXXX and will be expiring on XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) It would be impossible for me to have lived at XXXX XXXX XXXX a.k.a. XXXX XXXX from XXXX to XXXX as stated in the bogus lease I was sent from National Credit Systems , Inc . I did NOT sign this document nor did I give permission for this document to be signed. I do NOT know who is on the E-Signature Certificate. I have tried to contact the apartment complex but have not been successful. XXXX XXXX XXXX a.k.a. XXXX XXXX has clearly mistaken me for someone else who owes this debt. This debt does NOT belong to me. This incorrect reporting by XXXX and XXXX recently appeared on my credit report and this incorrect reporting of a collection is harming my credit score. I have contacted the bureaus to resolve this issue but have not been successful. These line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I WAS SCAMMED BY A COMPANY CALLED XXXX PHONE # WAS XXXX THIS NUMBER IS NOT IN SERVICE. I PAID THEM {$6400.00} ON XXXX. THEY DID NOTHING AT ALL FOR ME. I TRIED TO REPORT THIS CHARGE AS FRAUD TO MY CREDIT CARD COMPANY/ THEY SAID THAT THIS CHARGE WAS TOO OLD AND THEIR WAS NOTHING THEY COULD DO FOR ME. I AM A SENIOR CITIZEN AND THEY HAVE TAKEN ADVANTAGE OF ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/2019 two transfers were posted to our account at XXXXXXXX XXXX, one for {$1400.00} and the second for {$300.00}. Both transactions were made using the Zelle XXXX payment service and both were sent to a XXXX XXXX. The {$1400.00} transaction has a reference number of XXXX and the {$300.00} transaction has a reference number of XXXX. On XX/XX/2019, we noticed the suspicious charges, notified the bank of the charges, and asked to restrict all access to online banking. They complied with our request and initially reversed the charges while they investigated. However, they later notified us that they believed the charges to be legitimate and reposted them to the account. We believe that the suspect was somehow able to gain access to our online account and initiate the transfer. Because we could not resolve this issue with our bank, we have filed a complaint with the FBI 's Internet Crime Complaint Center ( IC3 ). 

Proper protections that could have mitigated or eliminated risks were not put in place by either XXXX or XXXX XXXX. We had never before heard of XXXX, had never used it before, and were not aware it was even a service offered by our bank. We were not notified when the payments had been initiated, even though this was the first time the service was being used from our account. We were also not notified by chase when two large electronic transfers were simultaneously posted to our account within minutes of each other, something that is usually considered a red flag. XXXX XXXX XXXX, the president of the company that owns Zelle is quoted as saying we remind consumers to only use Zelle for transacting with people they know and trust '', however the service allows you to instantly transfer money to absolutely anyone. If they were actually concerned with fraud protections and security, it would be fairly simple to implement a control that allows users to only send money to accounts and people that were added and confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Accessed annual free credit report on about XX/XX/2019. 
Problems : 1. ) Report listed closed account as open.

2. ) Most of the data is out of date, including that none of my recent credit issues ( such as active credit cards and active mortgage ) are listed.

3. ) I submitted Dispute. Received Dispute completed # XXXX. Attempted to access online. 
4. ) Online access to Dispute not available.

5. ) telephoned Equifax for information. Was told I had to be " verified ''. The answers to the questions I was asked were relying on Equifax 's erroneous data and therefore I was denied access to the Dispute information. I spoke with first XXXX, who first of all was very difficult to understand, and then her supervisor, XXXX ID : XXXX. 
Neither were at all helpful, including refusing to take steps to update my Credit Report information.

Company response to consumer: Closed with explanation