vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Amerisave Mortgage took upfront costs on a mortgage refinance to " lock-in '' my rate of 2.175 % on XX/XX/XXXX. My rate then continued to change as the mortgage process continued as well as my amount of cash-out amounts. 
Amerisave then continued to drag my application out for 4 months while charging me {$370.00} a week for extensions, caused by their negligence. They avoided communications with my current lender and my employer in order to charge me more extension fees weekly. Then they said they needed information from me ( my boss 's information ) which I provided and they did nothing with it again to charge me more extension fees out of my cash out amount. Each month Amerisave would hold my file doing nothing in order to get me to closing then have to recertify information each time, prolonging closing over and over again. 
When I finally showed frustration and started to check other company rates, I found out that Amerisave was pulling my credit file repeatedly so that I became un-mortgageable to other companies leaving me with no choice to stay on the long drawn out process they had me on. Finally, in late XX/XX/XXXX, Amerisave Mortgage employees STOPPED communicating with me about my loan just before it became a blame game between Originator and Processor, in which neither had answers or could offer any explanations. I repeatedly requested manager involvement. I did receive a call from the manager of my Originator ; once, who only offered me excuses ( overworked unstaffed etc ). All while they are still charging me extension fees. 
Amerisave has texted me without me knowingly agreeing to accepting text messages and more than half the time, not knowing who the text messages were from ; later finding out they use an " automated person 's name '' when texting me, leaving me confused on who I needed to communicate with. 
Amerisave Mortgage is being irresponsible and negligenful in handling my case/ file and I am no longer mortgageable in other lenders eyes. Applying for a mortgage is already stressfull enough but with Amerisave Mortgage the process was 10 times what it should have or could have been causing my family to be in a huge financial situation and causing me health problems. The dealing with Amerisave Mortgage were that bad!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i am not liable for this debt 1.Account Name : XXXX Account Number:XXXX 2.XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX Account Number : XXXX 4.Account Name : XXXX XXXX Account Number:XXXX 5.Account Name : XXXX Account Number: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 non-monetary relief
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Your company provided the following information on my credit report and want it removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Your company provided the following information on my credit report and want it removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
My card had been declined and I received a notification that it had and left it at that. The next thing I know when I check my account is that the declined transaction had actually gone through and I received an overdraft fee. 
Wells fargo said its up to their discretion, even though I've specified that I don't want any funds removed that will cause me to go negative. What they said they could do is do a partial reimbursement of the XXXX in fees, and the partial reimbursement was a total of XXXX. This call was made on XX/XX/XXXX The transaction for approximately XXXX was approved on XX/XX/XXXX as well as a transaction for approximately XXXX was approved on XX/XX/XXXX, and XXXX over draft fees were applied on XX/XX/XXXX, for a total of XXXX dollars. Then XXXX XXXX dollar transactions went through on XX/XX/XXXX and another XXXX overdraft fees were applied, also totaling XXXX all together.

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 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had a Sallie Mae loan in XXXX. I went to XXXX XXXX. For one Quarter and I was asked to leave. 
I than enlisted in the XXXX and went to XXXX XXXX in XXXX of XXXX and served until XXXX. I got out and c went to XXXX XXXX on my XXXX XXXXXXXX. From XXXX until the present. My loan shifted hands three times and is been Navient for some time. Ive had like five tax refunds given to pay them and yet my balance is like XXXX for one and XXXX for another. So XXXX. My tax refunds added up to more than that Plus I went there for like a quarter maybe 38 years ago. And as I was looking into buying a home they pop back up in like XXXX. At which maybe my balance was maybe XXXX for both. I dont even know to be honest its 38 years ago I thought they took there money from my tax returns. But when buying my house they got me to do income based. Probably in XXXX after my wife was killed they found me I do not believe I owe them. I believe Sallie Mae or other company got their money from my federal income tax refunds. Its XXXX and after my wife was killed I started to try and get credit and build my score. I did and than Covid took that work away and companys like Navient didnt help They scare or trick me into deferments but I dont even think I ever signed anything now Im working on fixing the mess from Covid and this is the first lender that I believe has already been repaid or the seven year debt has long past. So if you cant help me. Im a veteran of the United States XXXX XXXX. I served in XXXX XXXX went into XXXX and Im 50 % XXXX from XXXX. I just now returning to normal working hours since Covid. During which I worked 3 months XXXX months and just could pay anyone. So any bit of guidance wil be appreciated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
Problem # 1 - My husband and I applied for, and obtained a mortgage thru Member First Mortgage ( XXXX ), on our joint account, at XXXX XXXX XXXX XXXX XXXX XXXX  ), on XX/XX/2021. Months later, we discovered that XXXX had changed our mortgage loan, from our joint account, to an account that I had with my daughter, without our permission, and my husband is not on that account. See attached documents ; Current monthly statements. 
Problem # 2 - My husband and I began paying our mortgage, on XX/XX/2021, with each check clearly label ( i.e. check XXXX 1st payment, etc. ), as it was due on XXXXThis would reflect current monthly statements a month ahead, but it does not. See attached documents ; Check numbers XXXX thru current checks. 
Problem # 3 - Written documents from Member First Mortgage are inaccurate, See " Loan Activity Report '', dated XXXX/XXXXXXXX and XX/XX/2021, which does not show the same dates the checks were cashed, per XXXX XXXX XXXX XXXX records.. Telephone contacts with several Member First Mortgage representatives, during this time, remained definitely unclear and did not provide me with the Check # ; Date Cashed ; Principal Amount ; Interest Amount ; and Remaining Balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.

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 2022-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: AL

Complaint narrative:
I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to XXXX XXXX XXXX for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I checked my credit report on XX/XX/2022. My XXXX report showed a hard inquiry from Citibank NA XXXX on XX/XX/2022. I did not apply for this line of credit. I filed a dispute with XXXX on XX/XX/2022 and they completed that dispute on XX/XX/2022, stating that the report was accurate. 
On XX/XX/2022 I called XXXX and was told that Citibank should be able to tell me how this credit inquiry was made without my consent. After 14 phone calls to every Citibank number I was given or being transferred to, I was told that they showed no accounts in my name. 
But no-one could explain how a hard credit inquiry was authorized without my permission. I don't know if this is fraudulent activity or sketchy business behavior?

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
It took me over an hour to close 2 accounts I had with Citibank. I could not believe the level of obstinacy I experienced trying to talk to three different individuals, one of whom said he was a supervisor who put me on hold for another 15 minutes when I asked to speak to HIS supervisor and then he came back on and said his supervisor was not available.

I am assuming that the two accounts are now closed but I can not be sure because the resistance and stalling tactics employed by all three reps I had the misfortune of trying to deal with was astounding. Continuously claiming to need further verification of my identity they put me on hold most of the hour and fifteen minutes of the call intermittently between ridiculous 'security ' checks. I would never have another card with Citibank and recommend that nobody else subject their selves to the obnoxiousness I encountered today, XX/XX/2022 between XXXX XXXX  and 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 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XX/XX/XXXX I was the victim of identity theft. An unknown person or person ( s ) phished my information via email by fraudulent means. This email I received said it was from XXXX and that I needed to verify my identity with XXXX. This email turned out to be fake, however, my credit card information wtih XXXX was compromised and it was used to make purchases between XX/XX/XXXX and XX/XX/XXXX. I reported this to XXXX and to Capital One. Capital One reported a 30 day late mark onto my credit in XX/XX/XXXX even though these charges on my account were not mine and is refusing to remove the negative mark on my credit. I want this 30 day late removed from my credit report on all 3 bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: GA

Complaint narrative:
I made a purchase on XX/XX/XXXX for a XXXX it was a XXXX gift so the item wasnt able to be used until XXXX XXXX. The item never worked when we tried to crank it up and found out the chain latch was broken on it. I tried reaching out to the seller and they never responded or tried to repair it. I reached out to Amex and wad was never contacted me even though I reach out to speak to the person who was handling my claim to be able to send them a video of the item. They denied my claim saying merchant provided proof the item was under warranty until XXXX XXXX but what hood is a warranty of the merchant refused my calls or didnt honor the warranty

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to Albert to dispute charges from a company XXXX. I also reached out to the company to notify them of fraudulent charges. Albert denied my dispute. The company did an internal investigation and did find fraud in the card use and attempted to refund the card on XX/XX/XXXX. Albert denied the refunds. I then sent 2 pieces of evidence to Albert to reopen the dispute. These disputes were again denied and Albert asked I reach out to the merchant to refund a new card. The company sent me an email stating they could not refund a card not affiliated with an account and because I did not have an account the bank would need to take the proper procedures to help refund my money. Albert again denied this claim. On XX/XX/XXXX an email was forwarded to Albert from XXXX asking Albert to attempt chargebacks or dispute accordingly. The email went ignored by Albert. On XX/XX/XXXX I sent the exact same email via text to Albert and at this point Albert acknowledged and have claimed to attempt chargebacks. As of XX/XX/XXXX Albert will not credit my account and according to Pulsz Albert has not attempted any chargebacks. Albert has consistently shown negligence, is EXTREMELY slow to respond, does not give evidence to support their claims, and is in violation of multiple FDIC guidelines. I am asking my funds be returned to me right away and Albert be held accountable for their business practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
TRANSWORLD attempted to collect payment on an alleged debt that is not my obligation. They failed to send me notice of the 5 contents under 15 USC 1692g in their initial communication with me. They also obtained my private information from a previous company with out my consent. They are violating my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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