vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Firstly, I requested a quote for a delayed financing mortgage in XX/XX/2023 from Amerisave mortgage. We purchased the property in question via auction with all cash, thus was trying to borrow against the equity that we now have with the property. When the loan officer ( XXXX XXXX ) first contacted me, he gave alot of ( now known as false ) promises about how this would be an " easy '' and " quick '' mortgage application process and said I can close the loan within 3-4 weeks. I only requested a mortgage loan of $ XXXX which was only about 50 % of the equity of the property. 

Lo and behold, after countless requests for additional information and pre-payments for credit reports and appraisals, they came back and told us we were only eligible for a loan for the equity that we personally put into the house since we did purchase the house with the assistance of family members. That was an incredible blow considering this significantly reduced the amount of the loan we were requesting from $ XXXX to $ XXXX. That would have been fine if the loan officer was transparent about this from the beginning! Since our names are on the title and we own the property free and clear, we did not expect this to be the case. This happened about 5 weeks into the mortgage application process ( already longer than we initially thought ). After this of course, it was more and more letter requests on top of bank statement requests. 

Finally as we got to closing, we repeatedly told the mortgage officer we DID NOT want to include escrow. But at closing, the closing disclosure of course had escrow included. Not only was that incorrect, it also had an additional charge of {$700.00} for the appraisal! I had already paid this in the very beginning! If I did not read through the closing documents carefully, they would've charged me twice! Additionally, I was promised the loan would be funded within 3 days of closing, and it has now been 5 days and still hasn't been funded. All these events have been unacceptable and I honestly believe this company is very unprofessional and borderline scamming consumers. I had a very poor experience with both the loan officer and loan processor of AmeriSave Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Per AZ statute law, A.R.S 33.1321 landlord required to send itemization of fees, charges, and deposit within 14 days of move out which I moved out by XXXX XXXX XXXX sent bill 7 months later on XX/XX/ with fraudulent charges saying I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
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 All the accounts that's listed are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Dear CFPB, I initially submitted a complaint on XX/XX/XXXX ( complaint ID # XXXX ). It is apparent to me that Chime did not read my original complaint nor did the CFPB read my original complaint. First, Chime indicated that my checking account was opened on XX/XX/XXXX. But that date is not correct. I submitted documentation that my account was opened as early as XX/XX/XXXX. Second, Chime indicated that my funds were transferred to the XXXX XXXX XXXX  Unclaimed Property Division for safekeeping. But that is not true, I checked with the XXXX XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX Georgia do not have my funds. I believe that Chime is deliberately lying and stalling to keep my funds. My initial complaint is below and I would like for the CFPB to intervene again to help me get my money back from Chime as soon as possible. 

I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XX/XX/XXXX : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 345 days since XX/XX/XXXX. Please see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XX/XX/XXXX. As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I am so sick of this .... 
On XX/XX/2023 I initiated a {$120.00} payout XXXX XXXX that had a displayed processing date of no later than XX/XX/XXXX ( the next business day ), which means the funds would have typically posted to my bank account by the XXXX. Upon checking my survey.com account and email I can see that not only was the payout not processed by that time, but has also not been processed at all as of the XXXX, which means that, at the earliest, the payout won't be sent to my bank account until next Tuesday! Because I am very familiar with the timing of the payouts from this source I had a delayed emergency payment to another account scheduled to not post until just after this payout posted, but that is not what happened since I haven't received any funds as of yet on time for this payout. I also had a payment scheduled from another which posted to the account on time as it should have because they appropriately processed it in a timely manner. Both payments would have posted at the same time if it wasn't for XXXX mishandled this. 
This has caused my bank account to be overdrawn and a {$30.00} NSF fee will be assessed this weekend or on Monday the XXXX. I am absolutely livid and disgusted. I absolutely can not afford to pay this extra fee expense at this time because of this company not processing payouts in a timely manner. 
I understand that this is not FHB 's fault or a bank error, but the extra fast processing of the charge to my account on the XXXX instead of the XXXX is questionable. 
I am requesting reimbursement of the {$30.00} NSF fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX # XXXX was sent to Consumer Financial for issues I am having with Equifax. Today XXXX I am sending another complaint for the same issues I am having with Equifax XXXX 


The credit bureau- Equifax is constantly rejecting my credit report from access upon creditors request. They are denying release of my credit report saying " credit Freeze '' unable to access credit report. 

Equifax sent me a letter on XX/XX/2023 stating- there is no credit freeze on my credit report. 

On XX/XX/2023 - XXXXXXXX XXXX sent me a letter stating " we are advised that a security freeze was place on my credit report. '' This is beginning to be a issue, I can not get approved for any credit with Equifax because they keep denying me access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made XXXX minimum payments of {$57.00} to my PayPal credit account on XX/XX/XXXX and XXXX both payments were rejected by PayPal because PayPal stated my checking account had insufficient funds therefore the minimum payments could not be made from my checking account. I was shocked to see that the two payments were rejected by PayPal because I have sufficient funds in my checking account. PayPal also charged two returned check fee amounts to my credit account of {$30.00} because the two minimum payments were rejected. I went to my banking institution ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to check my checking account to see why the two payments were rejected because I have sufficient funds in my checking account.The representative at XXXX told me that XXXX would open an investigation to see why the two payments were rejected by PayPal because I have sufficient funds in my checking account. Later that day XXXX emailed me a letter stating that the reason why the two minimum payments were rejected was because PayPal was trying to pull the funds from an account that was not my checking account with XXXX. XXXX told me to contact PayPal and tell them that the minimum payments were rejected because they were trying to take the payments from a checking account that was not listed as mine with XXXX. I contacted PayPal earlier today and stated to a representative that I contacted my bank and they stated that the payments were not pulled from my checking account because PayPal does not have the correct checking account under my name on file. I told PayPal I do not owe a {$86.00} minimum payment on XX/XX/XXXX because PayPal was trying to pull the funds from a checking account that is/was not mine.Plus I want the two returned check fees of {$30.00} credited back to my credit account because they should have not been charged in the first place because PayPal was trying to pull the two minimum payments fees from a checking account that was not mine. PayPal is still trying to say I owe the {$86.00} minimum payment fee when I paid the {$57.00} minimum payment fee on time.

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 2023-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
On XX/XX/2023, I called Nelnet, my loan servicer that I was only a few of my loans had been approved for the XXXX program. After waiting for XXXX hours, the representative told me that I had to consolidate my loans in order for all of my loans to be approved for XXXX program. A few days later, I believe on XX/XX/XXXX, I applied for consolidation of my loans and the XXXX program again. I only did this because I was told this was necessary for all of my loans to be under the XXXX program. 

Later, in XXXX, I tried to log onto my Nelnet account, but the number associated with my identification verification was incorrect. I called Nelnet on XX/XX/XXXX to find out if my identity had been compromised and after waiting XXXX hours again, I was told that my application had included this unknown number I have never used before, but my identity was not compromised. During the conversation, I asked about my XXXX application and we talked about my consolidation and this representative said that it was unnecessary to consolidate my loans and that it may increase my interest. He said the office was closing and that he would call me back on XXXX, XX/XX/XXXX, to try and unconsolidated my loans and apply again for the XXXX program, but he never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX  {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.

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 2023-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with IC Systems, XXXX XXXX  this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a XXXX  that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform I C SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with rent recovery solutions/ XXXX XXXX XXXX these debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I lived in a different state ( texas ) since XXXX  just now moved back to michigan in XXXX was not in the state when the debt occured I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information . It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform, XXXX XXXX XXXX, that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an ongoing complaint with your agency that ties in directly with my new complaint as I am being completely ignored and robbed of my rightful funds and this problem is now working on year number XXXX. As stated in my other complaint for now XXXX years plus I have disputes multiple transactions made with a Bank of America XXXX XXXX XXXX  debit card without a security chip ( this is due to the banks negligence of not offering them for XXXX XXXX customers only " regular '' bankers, which is extremely insulting from the start ). See XXXX complaint CFPB ID XXXX which is still in progress sans a solution due to BOA asking for extended resolve time. However a few of the charges were finally returned only to make 3 days worth of call to them trying to get an update as well as access my funds and being told they can't verify me, yet asking me nothing but my name, being shifted from XXXX rep to the next, getting hung up on over half the time ( today after being on the phone with a rude woman from Oklahoma for XXXX mins ). Finally I was able to find out I could get a XXXX XXXX of XXXX dollars a maximum of twice in a XXXX week period. After XXXX hours on the XXXX and XXXX XXXX XXXX rep was finally able to verify me ( even though until I filed the XXXX complaint with your agency I've never had an issue doing so ). When I called to get the second and after XXXX XXXX and XXXX hours I was told they couldn't tell me the issue, they can't let me into my online account, they can't discuss anything, they can't release funds, that there is no supervisor nor manager after I repeatedly asked them was put on hold only to be hung up on with XXXX attempt at a callback. I am at my wits end with these people and should be entitles to my money after all this and now I'm being shunned all together as some of my returned money just sits in their bank. It's insane. Thank you so much. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with Synchrony Bank, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, XXXX XXXX refuses to talk with me. I was advised to file a complaint with 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