vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
XX/XX/XXXX my husband XXXX XXXX bought Our family a new home address XXXX XXXX XXXX XXXX GA. He met all of the requirements for the mortgage, however after his death in XX/XX/XXXX I found out that our home was not inspected and did not have a certificate of occupancy. This information was not disclosed to us from our realtors, sellers realtors, XXXX XXXX who sold us the house nor our mortgage company Silverton Mortgage who financed this property for us. Silverton Mortgage ordered an inspection however after my inspection with an engineer in XXXX, our home was not built up to code to obtain a certificate of occupancy.

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 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
A collection randomly showed up on my credit report from Southwest Credit Systems. I have never heard of Credit Systems nor have I received any contact with them via mail or phone. The collection just appeared on my credit, so I reached out to Southwest credit systems certified mail for them to verify the debt and to let them know I do not agree with the debt and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull city financial original debt holder is XXXXXXXX XXXX  I havent been in a transported in a ambulance since XXXX when I had a XXXX XXXX this is my wifes that past away I have had a XXXX credit card since XXXX all my co pays or what the insurance dont pay goes on the card I pay it monthly on time its been removed from all cedit reports except XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a notice from XXXX XXXX  XXXX that someone used my credit information Fraudulently on the date of XX/XX/2020 thereby causing an Inquiry on my Experian and XXXX XXXX XXXX XXXX / Report that was not in any way Authorized., I did attempt to call both Experian and XXXX XXXX Credit Bureaus on the Day of NXX/XX/2020 and talk XXXX one of their associates, but was remanded on hold for hours on end., This Specific Inquiry is that of XXXX XXXX on the date of XX/XX/2020 2020

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 2020-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was an unauthorized account opened in my name. I've tried disputing this information with no luck from XXXX XXXX XXXX XXXX. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to XXXX XXXX and they refused to block the information. I called XXXX XXXX in XX/XX/2020 with an Experian representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid XXXX XXXX the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. XXXX XXXX stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX Please assist me with having this account removed from my credit profile.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have a 6-page document typed out regarding our entire almost 4-month experience in refinancing our home. There are many issues that need to be fixed at Quicken Loans in underwriting and customer service, but since our latest issue involves post-closing that is what I'm pinpointing here. If you would like to see my entire experience, I will be happy to upload that document, but it does have our names in it. 

We closed our refinance on XX/XX/XXXX. There was to be no mortgage payment in the month of XXXX, and our first payment on our new loan ( refinance ) was to be in XXXX. 

Problem # 1 ( at this stage ) : On XX/XX/XXXX, our automatic draft for our old loan ( purchase ) was generated, and Quicken Loans took a payment. 

Upon contacting them, they let us know they were waiting on a signature from us and could not pay off our old loan without that signature. 

Problem # 2 : They never contacted us about the missing signature.

Problem # 3 : The missing signature had nothing to do with paying off the old loan. It only affected our disbursement of closing funds. 

We signed the form and asked numerous questions to document why and how this happened. 

Problem # 4 : We got very few answers and were told it would take up to 30 days to refund the money they took due to their delay. 

So, here I am. Very few at Quicken seem to be concerned, and no one seems to be in any hurry to escalate. This morning, I XXXX out some comments about our experience, and I do believe this upset the company, but we still have no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
I was notified by XXXX  that there was a change in my credit report on XX/XX/XXXX in which I reviewed and submitted a dispute. Consumer Adjustment Co has repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) reported delinquency on my credit report in which I have no idea who they are or what debt they are reporting delinquent, as I have not received any statements or written communication as to what this debt is nor was I given the required ability to dispute or request validity of implied debt, therefore a clear violation of regulatory requirements as well as conducting abusive and deceptive collection practice, causing unavoidable harm as my credit score has significantly been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I originally disputed 31 items on my LexisNexis Consumer Report in XX/XX/XXXX. They corrected some of the information but several items were not. I shopped online for automobile insurance in XX/XX/XXXX and discovered that several automobile accidents were still on my report. I disputed the items again on XX/XX/XXXX. I did not receive a response from LexisNexis until I contacted them on XX/XX/XXXX to get an update on my request. I finally received a letter from them on XX/XX/XXXX that my report was available on their website. The new report still lists six accidents which all involved my son and not me in any way. At the time I filed both disputes, I explained to LexisNexis that the information was related to my son who has the same name and shares my home address but owns his own car, has his own PA driver 's license, and his own automobile insurance. I have afforded them two opportunities to correct my report but they have failed to do so. Therefore, I am requesting your assistance in having the original 31 items removed from my report in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
On XX/XX/20 we entered into an agreement with Amerisave Mortgage to refinance our home. We told Amerisave that we would pay closing cost, that we did not want that amount rolled into the loan. We gave them all the information that was requested such as bank information, insurance information, brokerage statements, tax returns and copies of drivers license. 
About 2 days later Amerisave sent an appraiser out. We received a copy off the appraisal the very next day via email. And although we contacted our representatives about every 4 or 5 days we didn't hear anything about our loan. The loan originator just kept saying that they were working on it. Finally, we received a closing disclosure dated XX/XX/20. It stated that the closing date XX/XX/20, and disbursement date XX/XX/20. The loan amount was for more than we requested. The closing costs seemed fair, but the biggest error on the document was the payoff amount to XXXX, our current mortgage company. The amount was overstated by at least {$1000.00}. We tried over and over to get these two amounts changed and we got nothing. We received two other closing documents after this and the payoff amount kept going up. On XX/XX/20 we closed on the loan. Our disbursement date was XX/XX/20. Today is XX/XX/20 and XXXX has not been paid. We can not get answers from Amerisave. They don't know what happened. We reported Amerisave to the XXXX XXXX XXXX and they did not respond. No one at Amerisave will take responsibility.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J J Marshall & Associates, Inc
State: PA

Complaint narrative:
I have disputed this debt because I do not know who JJ Marshall and Associates are, they are on my credit, I have never applied for or done business with them, and they sent me medical billing information. I believe this violates my rights according to HIPPA. I have also demanded several times that they stop calling me, to no avail. PLEASE HELP 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 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I received an alert of an Inquiry on my Trans Union credit file., This Inquiry specifically that of XXXX XXXX  on XX/XX/2020 was not authorized by me., I contacted Trans Union Credit Bureau the same day however I was on hold for over three hours and unable to speak to a credit representative., I was even notified. Is letter from XXXX XXXX XXXX, letter dated XX/XX/2020 and received by me on XX/XX/2020 in this letter they specifically state someone used my information fraudulently and unknown to me and thereby declined the application..

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 2020-11-12 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: ECMC GROUP, INC.
State: FL

Complaint narrative:
These are private loans that ECMC credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.

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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I wanted to add my wife to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's error.

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 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been banking at this bank for over a year and the so called policy for overdrafts is unrealistic. I had an overdraft on XXXX XXXX XXXX, 2020. When it occurred I immediately transferred money for my connected savings account. Now it XXXX XXXX and they are charging me {$37.00} for this overdraft. I contacted Fifth Third to ask for it to be returned. I spoke to a representative and I spoke to a supervisor, by the name of XXXX. She refused to refund the overdraft, even though its been over 6 months since I had an overdraft, I had more than enough in my connected saving demonstrating that I had the money to cover it. I then asked for the XXXX over the supervisor and the supervisor refused to transfer me to a higher level of management. I would like my {$37.00} refunded. 

In a separate situation a few weeks ago my direct deposit was late processing and I applied for a signature loan and was denied not for credit but for having overdraft fees. This appears to be away for banks to denote minorities access to loans and other financial products by refusing to take fees off. 

I have a direct deposit every week and its $ XXXX and for the bank to keep doing this is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has not resolved these issues even after multiple complaints concerning the excessive late fees charges which is false and excessive interest fees charges which is false and the excessive and improper total balance of {$24000.00} which has accumulated over at least 2 years with a cash advances activity on XX/XX/2019 which I have no knowledge about the cash advances nor did I take out any cash advances. American Express has failed to provide me with any information about the XX/XX/2019 cash advances that on my statements with cash advance activity. I am constantly being harass to make payments on the above balance in which they are supposed to be conducting a forensic investigation on the above total balance thats being disputed, they had added late fees and suspended my charging privileges because Im not making payments on the disputed balance which is wrong and this is in dispute and under review, until this is resolved by law they are not to be charging me late fees or harassing me to make payments when a dispute is in progress. Attached is just a few of the numerous of harassing phone calls and messages. XXXX XXXX stated to me they dont know anything about the above balance is being in dispute and thats the reason they continue to call for payment. Please inform XXXX XXXX that the total balance is being disputed and continue to be under investigation as they have already emailed to CFPB because they are not listening to me. The calls are agitating all times of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
To whom it may I receive a letter in mail from Credit management .Lp, that I owes {$780.00} for a utility bill which I have no knowledge off I don't lived in the state where the utility Company is located I call the credit Management and let them know I have nothing to do with this bill, I also called the utility company to informed I never and account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I took out full insurance coverage on my property and informed SWBC that I was fully covered, provided them written proof ( uploaded and physical documents sent directly to their stated address by my insurance carrier ) and instructed them to immediately stop taking out money toward my homeowners insurance as it was pre-paid in full for a year. 

In spite of repeated attempts to contact them over the next several months, both by me personally as well as my insurance carrier, SWBC continued to charge my account for insurance coverage that I was already carrying and for which I had directly pre-paid ( to GUARD ). 

At some point in the earlier part of 2020 SWBC finally stopped doing this, after at least five attempts by me through the company 's online customer service portals and appropriate channels to get them to stop. 

I don't know how much SWBC collected from me between XX/XX/XXXX and today to cover homeowners insurance -- I am unable to discern those exact figures in any of my statements from SWBC. I do know that SWBC continued to charge me for insurance for several months even after I informed them repeatedly to stop. I have been trying to get an accounting of that money and have it refunded to me and have met with nothing ( my most recent attempt was in early XX/XX/XXXX ) and my complaints have all been automatically re-routed to an automated AI/robot system that is not understanding the issue, most recently on XX/XX/XXXX. Additionally, the website login for SWBC is only intermittently available, so it takes repeated login attempts throughout the day to get into my account with my valid password and username. The time it has has taken me over the past many months is unacceptable. This kind of behavior by SWBC is a form racketeering and theft. They have taken my money, refuse to account for it, and do not respond to repeated requests for clarity and 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 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU OF NEW ULM, INC.
State: MD

Complaint narrative:
I went to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2015. At the time I was unemployed and the bill was to be paid by XXXX via XXXX. I never received a bill from the hospital and was surprised to see the collection of {$780.00} reported in my credit report. The bill has been passed around to multiple collections agencies.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I contact Trident Asset on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX  quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX  could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by transunion and XXXX immediately.

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