vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
More than two months a go I applied for refinancing mortgage loan with Amerisave Mortgage Corporation. They collected their deposit and fess and I provided all documents they asked for, appraisal was done and all steps followed. Now they are not acting to close the loan as I am facing critical deadlines which will hurt me if deadlines are not met. They seem deceptive and use bait-and-switch mortgage-lending scheme. I have tried to contact them many times by phone, email but I get no response. Now I am stuck and don't know what to do since I already committed to them and paid them fees and all documents. It seems they have a bait and switch tactics and get you hooked but then put you in a tight situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: CA

Complaint narrative:
I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX  to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( 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 ) these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise

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 2020-11-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at XXXX.XXXX to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( 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 these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: NC

Complaint narrative:
THIS COMPLAINT IS BEING SENT AND AUTHORIZED BY MYSELF! EXPERIAN  STOP REJECTING MY COMPLAINT AND RESOLVE THE CONCERN! 
I HAVE ALREADY SUBMITTED XXXX  AND ATTORNEYS GENERAL COMPLAINTS!

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 2020-11-06 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:
I have previously submitted a complaint with number XXXX in regard to Experian reporting incorrect information on. my credit profile. 

On XX/XX/2020 Experian responded in a nonchalant manner and requested information i have already supplied them weeks ago. In addition, Experian is accusing me of using a credit repair service and will not stop reporting incorrect information.

I'm very educated on the Law and i wont let Experian get away with this none sense. I have already sent a copy of my ID, passport, social security card to Experian with a bank statement. I have all my previous letters that i will upload to this claim again so Experian can have some common sense and remove this incorrect information immediately.
I Know Experian is breaking the law by ignoring my previous attempt and has all the information required but they are not able to verify the accounts and has yet to provide me any supporting documentation. I have Experian online monitoring and my identity has been verified and my correct name is shown on Experian 's online portal. I will not back accept nor tolerate these comical games Experian is playing. I will keep reaching out until all the requested accounts are removed from my credit profile immediately. If i have to complain everyday, file a lawsuit, or call i will not tolerate this at all. I will request that Experian
be fined {$1000.00} for each account they are reporting incorrectly on my behalf.

Like i previously stated in my letter that i will re-attach all previous correspondence. Delete these accounts immediately. I have sent my final letter to Experian vis USPS first class mail with tracking number

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 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: CO

Complaint narrative:
I was called and left a voicemail by USI Solutions about collection on a debt owed on XX/XX/XXXX. Was told to call back XXXX and ask for XXXX  XXXX at ext. XXXX with Ref # XXXX. 
I called them on XX/XX/XXXX and the phone was answered by a gentleman named XXXX XXXX. I asked him to speak to XXXX XXXX at ext. XXXX. He said that she was not there and he would help me. He identified himself as the president and owner of the company. He said that he was working the phones for the afternoon. He told me that the debt was for a XXXX XXXX from XXXX and that I owed {$1800.00} however he was willing to take {$1000.00} and call it good. He asked me for a credit card number to collect the money. I told Mr. XXXX that I did not have a credit card to give him and that I needed to talk to my husband. I do not remember having a XXXX XXXX  in XXXX. I told him that I was not going to just give him money for a possible debt that was over 11 years old, especially for something that is not even on my credit report. He told me to look at this as good news, not bad. That as soon as I paid the money that I owed him, he would no longer call me. I told him once again that I wasn't going to give him information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2019 Suntrust XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
I do not recognize the account named EOSCCA the amount they say I owe is {$650.00}. I have not opened any such accounts as of XXXX of 2020. I would like for this account to be removed immediately it is hurting my report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We are returning Quicken Loan customers with an approved refinance w/cash out loan. We were refinancing an existing QL loan and were approved in XXXX. 
We closed the loan on XX/XX/XXXX. Through no fault of ours, the documents never made it to Quicken Loans. My Quicken Loan 's online account stated the fund transfer would occur by XX/XX/XXXX. We checked both our Mortgage online APP - Rocket Mortgage and our bank. Our Rocket Morgage online account had nothing new - no notice of what was happening so long after a loan closing. It continued to state the transfer would happen XX/XX/XXXX. Two weeks after the XX/XX/XXXX closing, we accepted that Quicken Loans was not working on the transfer issue. A day or so after our call, Quicken Loan told us the paperwork never arrived. Then they started working on the issue.

We were offered a reclosure on XX/XX/XXXX. The reclosing stopped because around XX/XX/XXXX, because our contractor ( roof ) of the projects the loan was helping to finance, filed their Notice of Commencement 13 or 14 days after we closed.

Quicken Loan sent notification that the loan was being canceled because there was a NOC filed. No offer, no contact at all regarding working with us due to their lack of monitoring their final part of closing - transferring the funds.

We really do not understand why Quicken Loans is satisfied to put the customer in a precarious and possibly disastrous position when something goes wrong with their processing that they only become aware of weeks after the client closes. Contracting for our projects to begin more than 2 weeks after the closing is not an unusual practice. It is stunning they caused all of this problem and have no offer to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a balance of {$5700.00} -This is not my account.

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 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
on friday XXXX XX/XX/2020 when i woke up so i got a message from my bank stating that your balance is below certain amount and that is valid as i set notification request for that but when i checked my account balance so someone has transferred certain amount from my account using XXXX without my consent so at once i went to my bank branch so they said its an online matter so we can not deal with that they gave me phone number for online matters to be dealt with so i called them they there was one lady she said your device is compromised so you need to clean your device and close your old account and open new account so i did and she said in the mean while bank will give you provisional credit of the amount which you lose and bank team will conduct investigation and check i said ok. 
next day when i went back branch with my new phone as according to them someone hacked my phone so the manager was saying that i am calling them but they are not picking phone to remove block from my online account and i told her that i am waiting she tried again so after some time she removed block. Today when i called online banking to know the status so she said your dispute is closed and request denied for provisional credit so i said when i have not done any transaction so this is the banks responsibility to reimburse me for my loss but she said transfer is from trusted device and thats all and i am asking them for the details of the account to which money is transferred so they are saying there is a block on account we can not see details i am so confused what to doo now as its my hard earned income and bank is not taking responsibility and with that i tried to inform cops so cops said we are not technology person and your bank can help you in this matter so please help me i can provide all the details to my knowledge i want my money back

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 2020-11-06 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: LEXISNEXIS
State: OH

Complaint narrative:
I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian yesterday XXXX and cancelled my membership. That evening they tried charging my bank account and all the money wasn't there and my bank charged me {$1.00} for that transaction. This morning I called them and had to cancel again and got a confirmation number. The number is XXXX. I then asked to speak to a supervisor and she was totally uncaring so I hung up. An hour later I checked my bank account online and learned they had charged my account {$24.00}, after talking with a supervisor and cancelling. I have been trying to call that same number all afternoon and can not get a human on the phone. I have sent at least 5 emails and can not get a response. It said it could take up to 2 days to get a response. I still have not heard from them and the money has not been refunded.

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 2020-11-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/20 i called XXXX XXXX XXXX and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, wells Fargo and member source credit union XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account wells Fargo and upstart. i did not contact wells Fargo, upstart or member sources credit union just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. 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 non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I managed to keep up with my mortgage payments just fine. Unfortunately, due to the pandemic and the state 's " Stay at Home Order '' resulted in my business being unable to operate for 3 months. This cause for my mortgage to default and the mortgage company placed on a three month forbearance which was open ended. They failed to advise me that at the end of the 3 months, i would be required to pay back 3 months worth of mortgage payments at once even though i did not earn income throughout the months of XX/XX/2020, XX/XX/2020, XXXX XXXX and a part of XX/XX/2020. 

I was finally able to resume my business and even though it was taking a few weeks to bounce back, my income was slowly coming back to normal. The mortgage company SPS XXXX offered me to pay back all the past due by payment by making triple payments for 3 months to keep my loan from going into foreclosure. I had no choice but to refuse this offer as my income was not back 100 % and i could not afford those payments. 

Now my income is back to what it was before the pandemic and SPS is refusing to review my case for assistance once again. They said and I quote " We already reviewed it once, and we are not obligated to review it again ... '' I have explained to them the change in circumstances since my previous application and yet they refuse to even look at it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2020-11-06 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: NJ

Complaint narrative:
There is over 100 inquiries on my credit report that is not linked to any account which lowers my score dramatically I want it to be removed 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
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My coinbase account got hacked and all funds were stolen and transferred to several unknown crypto coin addresses. Also funds from my checking account were extracted and transferred to coinbase and cryptocurrency was bought without my knowledge nor authorization with said money. Coinbase claims I have to pay them the amount of {$2300.00} USD which is the money extracted without my knowledge from my bank account. I opened several claims with Coinbase but to no avail, coinbase claims that it was not their fault my account was hacked and my funds stolen. I claim that my account was secured by utilizing the security methods they recommend. Also the funds that I had stored over the years in Coinbase for the value of XXXX USD got stolen and removed from my account. 

Coinbase Balance XXXX XXXX XXXX XXXX XXXX XXXX USD Value : XXXX XXXX USD Amount Value at transaction TOTAL : XXXX USD XXXX BTC XXXX XXXX XXXX BTC. 

Coinbase Opened cases # : XXXX, XXXX, XXXX Total Amount including Coinbase Funds Claim : XXXX USD. 
https : //www.coinbase.com/about

Company response to consumer: Closed with explanation