vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX  has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX  / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: WA

Complaint narrative:
Debt Recovery Solutions ( DRS ) showed on my credit report with no mention of what the original debt is. No communication received from DRS in regards to the debt. On my credit report it lists XXXX XXXX XXXX as the original creditor but upon searching XXXX XXXX XXXX purchases written off debt. This company was of no assistance as they stated they no longer have the debt. As such, I have no knowledge of the debt & have not received any communication from DRS. DRS is also not licensed to collect debt in the state of Washington. The company is in violation of the FDCPA for not providing information & attempting to collect on phantom debt. Request this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am not able to see my equifax credit report. I have Contacted them multiple times. They will not let me see my credit report or make an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IQOR US INC
State: FL

Complaint narrative:
Up until Covid happened in XXXX, my loans were in good standing and paid on time every month through the Florida Dept of Education. I was temporally laid off from my job because we closed for 7 weeks. Under the federal law, ALL student loan payments were put on hold, this includes 0 % interest. At the time I'm writing this complaint, payments aren't due to be resumed until XX/XX/2021. I have recently gotten letters from Allied Interstate demanding payment on my student loans. Today I got a hefty envelope from them stating if I don't repay my loan, in full, they will start to garnish my wages!!! How is this legal??? How are they allowed to harass people about their student loans when there is a law in place the no payments are due!! This needs to be addressed!! Up until XXXX, when the Act took place, I paid my loan every month on time! PLEASE 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 explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Back in XXXX, XXXX ( XXXX ) was sold or purchased by CitiBank. XXXX sent me a letter that my account " was not eligible to transition. '' And that my account was closed. It took 7 months and a complaint to you to get a response from XXXX as to why. ( Sort of ) They said that it was not them that said I was not eligible, but CitiBank. This is very strange as I was sent a credit card by CitiBank, but when I went to use it, it was denied. So I called the # on the back of the card to ask why and was told that there was no record of that card # and it must have been sent by mistake?!?! REALLY??? I spent over two hours on the phone with CitiBank and NO ONE had a clue as to what happened? I have names, phone # s etc on who I talked to that day. So based on my response from XXXX thru you, I sent a certified letter to CitiBank asking as to why I was denied. I have pulled credit reports that I have a Credit Score of XXXX, never late on payments, paid ahead on accounts, etc. The letter was signed for XXXX XXXX  XX/XX/2020. I have not received a response as of XX/XX/XXXX and am obviously being blown off. I am entitled to a reason as to why my credit was denied!!

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 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020 I began a mortgage refinance application with Amerisave ( The agents name is XXXX XXXX ). XXXX told me ( a ) they will close the loan within one month, but likely within three weeks, ( b ) I wouldn't need to provide many documents at all, ( c ) XXXX also told me that she was able to wave the appraisal fee during our phone conversation, and ( d ) during the phone discussion she provided me with a loan quote, by which I agreed to move forward with the refinance application. She later emailed me with the rate quote but did not lock the rate. Amerisave required me to pay a fee of {$500.00} for 'loan processing ', which I paid at that time.

Over the next two months Amerisave continued to ask me for more and more documents every day. As soon as I uploaded the documents there were new document requested. On several occasions I asked XXXX about the status of the loan and that I wanted to lock the rate ; she repeatedly told me they were backed up and the rate couldn't be locked until after title work was completed. 

On XX/XX/XXXX I became suspicious about Amerisave, because everything they had promised me did not happen. I started a refinance with another mortgage company at that time, and over the next 30 days the new refinance company did everything they had promised and is now ready to close on my refinance loan. During this entire time I continued to work with Amerisave and I requested on several occasions for them to lock my rate and/or provide me with a good faith estimate or formal quote. On each occasion XXXX failed to do any of the above. 

It is now XX/XX/XXXX ( 4.5 months after my initial application with Amerisave ).

1. they have totally failed to perform, 2. they have all my financial information, 3. they charged me {$500.00} for application fee.

It is my opinion that Amerisave is a fraudulent company. It appears they are in the business of charging potential customers the amount of {$500.00} and that is their goal. If my suspicion is true, then I am very concerned about what they will do with my personal information because they have all my financial information at this point in time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I started a refinance process with Flagstar in XX/XX/2020. I was told this process would take a couple of months. It has now been 6 months and the refinance has not closed. While I am frustrated by the delay, my complaint is related to what appears to be an attempt by Flagstar to change the terms of the refinance without my knowledge. 

My closing was scheduled for XX/XX/XXXX. Several days prior, I received a closing disclosure in the mail. The closing disclosure stated that my loan estimate closing cost was {$12000.00} and that my final closing costs would be {$12000.00}. My original estimate was nowhere near this amount - Flagstar included property taxes, which were not part of the estimate, in the final disclosure without telling me in advance. Furthermore, they claimed that my final disclosure matched the loan estimate, which is false. I am not certain whether this was intentional or not, however it is clearly incorrect and misleading. At the close, a notary was supposed to show up at my residence as well as at parent 's residence at a designated time to sign the documents. The notary was a no-show at both locations - nobody informed me in advance about cancelling the closing, and nobody has explained why this closing was cancelled. 

While the mortgage I am attempting to refinance is in my name, I am not the sole owner of the property as my father owns a portion of it through a trust. I was clear on the ownership structure at the beginning of the refinance process and that I did not want to change the ownership structure in any way. I found out through the title company that Flagstar is attempting to take the deed out of the trust to proceed with the refinance. This attempt was done without my knowledge. I have no idea what the implications might be of taking the deed out of the trust, however it appears irresponsible to me for my loan officer to be attempting to change how the deed is held without my knowledge.

Finally, when I log onto the Flagstar website, it states that my loan has closed, which I don't believe is the case as I haven't signed anything. If the website is correct, it is not clear to me whether I should stop paying the original mortgage and start paying the refinance mortgage. It is also not clear what terms were closed.

I am in regular contact with Flagstar about this refinance so they are well aware of my concerns but they have not adequately addressed them.

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 2020-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
XXXX XXXX and XXXX, 2020. 
XXXX USD money transferred into a Skrill account ( XXXX ) Skrill confirmed the money transfer via email, but is not allowing me to verify my account, even though Ive sent them 3 separate images, of myself, my drivers license, and the current date ( XXXX ). 
The documents they want are not something I have, any bills I pay are paid online without my address linked, and I dont own a bank account, I was transferring money to my girlfriends account. My drivers license should be more than enough to confirm my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: NM

Complaint narrative:
The moore law group has not provided the information and/or paperwork requested for verification of debt I have sent them multiple letters specifically asking to provide me with the following : original contract with my signature on it, to itemized every single item since the opening of the alleged account, provide a bill of sale that shows account number and amount they paid to obtain this debt, show any paperwork where I agree to pay you. THIS IS WHAT THEY PROVIDED SO FAR : BILL OF SALE is missing my name, missing account number, amount paid for debt. COPY OF SALE OF THE ACCOUNT is missing my name, missing account number, missing amount paid to obtain the alleged debt. MONTHLY STATEMENTS that proof nothing just statements with blackout account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I reached out to XXXX  and Equifax to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. My husband XXXX XXXX XXXX XXXX XXXX and I have had a mortgage loan with LoanCare since XX/XX/2020. We always make our payment via their online service. We have not had any issues making our payment up until XX/XX/2020. On XX/XX/XXXX, I made our payment as usual. I monitor our account very closely. On XX/XX/XXXX, I noticed our payment still had not come out. I logged onto our myloancare account and noticed they had charged us a late fee and a bad check fee. I made a call to their customer service and spoke with a gentlemen ( ID # XXXX ). I explained to him that I was concerned that our account was being charged these fees in error as to we had the money in our account. We went over the my bank account and routing numbers. He said that it appeared my account number was missing a leading 0. Sidenote : I have never entered the leading 0 on previous payments. He told me everything matches up that was the only thing he could see that may cause an issue. I told him to add the zero and run the payment again. XX/XX/XXXX, I again noticed my payment had not been processed and loancare was again charging me with fees. I spoke with a woman ( ID # XXXX ), I explained everything to her and she pulled up my account. We reviewed all numbers again. There were no issues and she said that the issue has to be on my bank 's side. I called and spoke to a man named XXXX and a woman named XXXX at my bank. He pulled my account and told me there was no evidence of an attempt on my bank account from loancare and that there were no bad check fees on my account. On XX/XX/XXXX, I call loancare again and spoke with XXXX. I again had to explain everything to her and how I have the money in my account, i shouldn't be charged bad checks fees and that I needed something done. Somehow they dropped my call which is extremely frustrating after having spoke with so many different people and all i want to do is pay my mortgage. I called back and finally was sent to the manger, XXXX. I expressed my frustration and the issues i was having with trying to pay my mortgage. We again went over my account and routing numbers. She noticed the last person who put my payment through typed the number incorrectly. She corrected the issue and ran the payment through. 
Today, I check my loan account and realize again the payment has not been taken out and they are again trying to charge me fees. I am beyond annoyed and irritated now. I don't understand what is going on. I have had no issues before. ALL I WANT TO DO IS MAKE MY PAYMENTS.

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 2020-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My husband a refinance a mortgage with New Rez. We never received a copy of the documents we sign. We ask for a copy at closing. We spoken to the company twice and during these conversations asked for the documents as well. I am not on the mortgage but on the title of the house. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
I applied for a recast of my mortgage to AmeriHome Mortgage ( NMLS ID XXXX ). I received written approval dated XX/XX/2020 to move forward with my request. I wired {$80000.00} on XX/XX/2020 to XXXX Recasts as per the attached instructions. The funds were received and processed on XX/XX/2020. 
As in the attached documentation, I was to receive a loan modification agreement 7-10 business days after this. However, I have heard nothing from anyone at AmeriHome. I have called too many times to remember, but each time I do, I hear a different excuse or am put on hold to eventually be disconnected. My wife and I feel like we have been scammed and would appreciate any help. 
I would like to add that I have also had my PMI removed from this mortgage with this same company. That transaction was quick and easy. Something is amiss with the recast. 
You can attempt to reach them at XXXX or any of the numbers listed on their webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
An ACH withdrawal in the amount of {$2000.00} was made against my credit card. It is fraud, not authorized by me or my husband ( joint account ). Transaction date XX/XX/XXXX. Appeared on my online statement XX/XX/XXXX. I discovered it XX/XX/XXXX and began formal fraud complaint with Bank of America. At least 5 follow up calls from me, and a discussion with local bank branch who also initiated a complaint. 
B of A maintains that I am financially liable for the amount, and that they will take 90 days to investigate if they choose.

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 2020-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had an account with XXXX XXXX over 6 years ago. One day I received an alert that my account information had been changed. I immediately called XXXX and was told that someone apparently had got into my account and ordered several XXXX  and XXXX  to be delivered to an address in New Jersey. I am in California. I was assured that I would not be charged for this identity theft. I continued to battle this with XXXX for the next year. I finally dropped XXXX and signed up with a new provider. This fraudulent debt has remained on my credit report all of these years and has never been corrected after many, many attempts to resolve. 
How can I be punished for someone else 's criminal act? Unbelievable. 
They are also showing this account as " open ''!?? and that it was opened one year and eight months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: VA

Complaint narrative:
On XX/XX/20 I attempted to make an on-line purchase in the amount of {$170.00}. The company took my money and sent me a confirmation email. I then found out the next day that the company was fraudulent and contacted them via email for a refund. They would not respond. I then called XXXX  who said that I would have to write a letter to them to start an investigation. They then refunded the money back to the card. Several months later they sent me a letter stating they were rejecting the claim, and they took the {$170.00} back off the card. I contacted them, told them I had proof from the US Post Master in XXXX that I never received the order. The company sent something to a XXXX XXXX in XXXX, but it was not to me and in no way what I ordered since it weighed les that 3 oz and what I ordered were two XXXX  that weighed 75lbs each. They said to put it in writing and send the proof. I faxed and mailed copies of what I obtained. Since I have heard nothing and they still have not credited the card back. When I call, they will not even discuss it with me and will tell me nothing. I have all the emails, letters written, order confirmation, and shipping documents and evidence proving that I never received. XXXX  is doing nothing and refuses to even talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I co-signed on a car loan for my son, after 2yrs the car was repossessed on XX/XX/2020. I didnt find out until XX/XX/2020. When I called Ally Financial to resolve the car loan I had to payoff the loan in full since it was repossessed. On XX/XX/2020 my wife wire transferred {$13000.00} to Ally bank, to this day XX/XX/2020 the tile on the car still has a lean on it and Ally refuses to remove it so I can sell the car. I have begged for 102 days for payoff papers for my records to show the loan was payed off just to be told Ally has NO OBLIGATION to send me anything. They still have charge off on my credit report and refused to fix it to payed in full, I have a buisness and I depend on my credit, I think all of this is wrong to be treated this way. I didnt know what else to do, I call 3 or 4 times a month to fix this to no avail, Please someone help me resolve this nightmare. I have done everything Ally Financial has asked just to be treated like I dont matter.

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 2020-12-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a credit inquiry on my report from XX/XX/20 from XXXX XXXX. I do not have any accounts with them. I have reached out to them and XXXX to have this resolved but have been unsuccessful. I did NOT personally guarantee any account or credit with them. May, I please have this matter looked into and have proof of any " wet signature '' where I, XXXX XXXX gave authorization to run my credit. Thanks in advance

Company response to consumer: Closed with explanation