vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Amerihome Mortgage XXXX/XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Received a letter dated XX/XX/XXXX that said the amount of flood insurance paid by our condo home owners association was insufficient ( but not by how much ) and that if we didn't amend the master policy or purchase one of our own or they would purchase one for me. I received this letter on XX/XX/XXXX. I called twice to get an explanation ( both calls recorded ) where the customer service rep would not put me in touch with the flood ins department and i was told both times the rep could answer my questions. The first call lasted over 20 minutes and the rep hung up on me and the 2nd call, the rep could not answer my question ( why did we need more insurance? ) and I asked to speak to the supervisor but the supervisor refused to speak to me. On XX/XX/XXXX I faxed ( and sent by certified mail ) a copy of our flood insurance policy and an email from our insurance agent explaining why our coverage was sufficient to meet the Flood Protection Act of 1973, I explained that we were disputing this and would like an explanation. 
I got an acknowledgment that the fax was successfully sent, but received no communication from the company acknowledging this. We received another communication on XX/XX/XXXX reiterating the terms of the first letter. I called to try and see if they had received our communication that we were disputing this need for additional insurance, but was told twice that their " system was down ''. I can not express to you the level of frustration we feel as a result from incompetent customer service reps that basically look up information in a reference manual to answer questions they know nothing about and refused to transfer us to the flood loan department and - the first time in my adult life - I was refused the opportunity to speak to a supervisor to get an explanation/clarification of our situation. I strongly ask for any assistance you can give us. 
Thank you for your time and consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I applied for two refinance loans with Cardinal Financials in XX/XX/2021. They have been going back and forth and delaying the process for close to 5 months. I have been very much on time in providing all the docs they need and I have good credit score and financials. 
I think the main reason they have delayed this process so long is that the rates have gone up since then and they are trying to avoid closing the loan at the rate that we locked. In the mean time I have wasted significant amount of time and note given the higher rates I will be losing money if I switch to another lender. 
It seems like this is a normal practice for cardinal financial to offer low rates online to attract people and then if market changed and rates went up they delay the process by so long that applicants give up..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a credit card with Synchrony Bank which got stolen in a airport some years ago. 
I reported the fraudulent charges and situation to the bank and even asked why they allowed for such irregular charges to be made. 
They removed the charges and later on I began getting statements to pay back the charges I did not make. 
They did not honor their police of zero liability for fraudulent charges and instead had reported this to credit bureaus damaging my credit and sending it to a collection agency, XXXX XXXX XXXX. 
I provided the debt collector with my affidavit as well as additional information to sustain my claim of not recognizing the charges and its still shown in my credit report.

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 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a chase checking account with quickpay with XXXX option. Two weeks ago I noticed a two XXXX  with XXXX transaction to a person ( email address ) I do not recognize. 

1 ) Contacted Chase customer service. They opened up a investigation 2 ) A week goes by and Chase customer service blamed XXXX. Told me they can't reverse the {$250.00} and {$650.00} ( 2 transactions ). The reason is after investigating the transaction was authorized by my iphone 11 with face-ID lock. I believe this is a lie because my phone does have Face-ID lock and is by my side at all times. 

Long story short Chase customer service is blaming XXXX. And XXXX customer service is telling me to contact my Chase account representative. Now I am out of {$900.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: AZ

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
5. XXXX XXXX XXXX XXXX XXXX, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for an American Express Platinum Card with the intent on maximizing the advertised new member bonus. The bonus I saw on every application form stated 75,000 points for $ XXXX in purchases within the first three months and 10x bonus points on supermarket and gasoline purchases within the first 6 months up to {$15000.00}. 

After a few weeks I noticed the purchases for supermarkets and gasoline cleared at the regular 1x reward rate for purchases. I called and was told the situation would be investigated and I would be called back. After two weeks I called today to get an update and was told the case was resolved and no changes would be made. 

I asked to speak with the deciding personnel and was told they do not speak to anyone but can send me the link I used for application that would prove I was not offered what I stated above. When pressed for the link the employee I spoke to ( XXXX, ID XXXX ) told me they did not have the means to send me the link, which goes against what she had just told me. I asked to speak to a supervisor but was told they were all busy. This was the same thing I was told earlier, that I would be called back. I am doubtful that this would be followed through based on the prior experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XXXX XXXX, I closed on a mortgage with Wells Fargo with XXXX XXXX  as the Title agency. That same evening I sent a letter stating that I wanted to cancel the mortgage. I sent the cancellation notices to XXXX XXXX  and Wells Fargo. I mailed it at XXXX XXXX  from the Post Office. I followed up with XXXX XXXX on XX/XX/XXXX because I received a deposit and pay off notice from my former loan company. I told them about my concern and they said that they would take care of it. The money was removed and I was assured that the mortgage was cancelled. Wells Fargo has no record of the Loan because it really never was a loan. I also shared with them the Order and that number didn't help. 

I now have a lien on my mortgage because Wells Fargo filed it with my County Recorder 's Office in XXXX XXXX, XXXX, OH XXXX. I'm trying to refinance again and the title company that I'm working with discovered the lien. The current title company and myself have been working on communicating with Wells Fargo on getting the lien removed since XX/XX/XXXX. 

The I, the recorded date of the Instrument is XX/XX/XXXX XXXX XXXX. 

I don't understand why it wasn't cancelled. I never received a coupon book or payment book from Wells Fargo in regards to this loan.

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 2021-04-27 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: TX

Complaint narrative:
XXXX XXXX XXXX  is reporting account number XXXX on my credit. I do not own this account. I don't have any information on the account. The bank can not provide any proof of ownership or a full account number for investigation. I have tried disputing this account but the bank is failing to provide any information besides statements that do not contain the full account 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 2021-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had several cards with Synchrony Bank and they closed ALL my accounts with out any reason, there was no legal issue, financial issue or anything and they never provided a detailed reason as to why except that they reserve the right to close any account for any reason they deem fit but will not provide the reason. Because they closed all my account my credit has dropped significantly, my usage went up about 30 %, which now I am flagged as HIGH risk and having financial issues getting approved for any line of credit. I was never late on any of my card or account payments with them and I was paying more than the minimum on my account around {$150.00} to {$200.00} more than the minimum every month in hopes to build a good relationship with them. I am not the only one that Synchrony Bank has done this too and have messed up peoples credit, financial balance as well as lively hood. I have contacted the company several times asking what the issue was that lead to this and all I was told was the following : I was flagged as high risk, and they reserve the right to close any account without reason.

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 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
When I purchased the house there were agreements made for repairs ..they were never repaired. XXXX bank owned it and in a month sold to wells fargo. The realtor assured us we only needed him it was a home that requires inspection for the type of loan it was Attached is pictures of contract. The add for The home was placed by tidewater properties XXXX XXXX XXXX was our realtor. My wife became deathly ill and we could figure it out nor could the dr.it took years.. andover those years many more problems became apparent .. the roof was never fixed called the contractor who did the work.. they told him to bandage it to the best of his ability. The air-conditioning company could not reach drain lines for condensation it ran under the house. The new pipes in the add was untruthful it was old steel pipes ..no lead inspection.. and ad water reports. Dispite this we worked with the bank let them know of problems the house is condemnable. The well was 30 feet. The inspector XXXX XXXX was friends with XXXX XXXX ..he passed the house.. lost my job of 15 years to take care of my wife who was dying with no answers ... We did forbearance in hopes of saving the house made 7000 lump payment. We had pmi on the home we consistently shared this info with wells fargo. State farm dropped our home owners insurance dropped us because it was unsafe. Also let them know. Mold started to appear from the unfixed roof 5 layer of shingles in spots ... water was running in the walls first was green mold then black mold and finally purple the most deadliest mold.. my wife was diagnosed with lupus sle with organ involvement XXXX XXXX and XXXX  she has XXXX been in comas my kids watched thier mother XXXX infront of them and me loosing my wife XXXX XXXX XXXX and XXXX  are a deadly combo.. we also found that behind the wood paneling was nothing but frame work no insulation. We informed the bank we feel they were fraudulent sold the house and so we're we .we notified the bank every step wells fargo. XXXX  to be workingt things out..we put every bit of cash we had to bbuy this hhouse wew were working on deed in lieu and other options when they sold my mortgage to rushmore hous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I apply for a refinance loan, and after the make me wait over 2 month, had me do An Appraisal that can higher than expected the changed the application process, they desided no to count my rental income ( reason unknown ) so my application was denied but they didnt even send me a letter or nothing. So after 2 weeks trying to get and answer they just said I have to re apply so they block me from getting a loan fron a deferent lender with the offer they did not honor, and help lower my score by summitting multiple applications

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Equifax sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: NC

Complaint narrative:
IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON

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 2021-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 two unauthorized withdrawals were made on my edd account. Complaint was filed early XXXX. Complaints filed with Bank of America have been unanswered. 

XX/XX/2020 Withdrawal # 1 : - {$500.00} posted Withdrawal # 2 : - {$100.00} posted

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
My US Bank XXXX rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.

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 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was contracted to assist a XXXX company XXXX with their domestic clients past due accounts on XX/XX/21. My agreement was to collect these funds deposit into my business account SIRID at NFCU and that I was to deduct my commission or costs and forward the balance to XXXX. I received contacts from their clients and verified via XXXX. I receieved a check from XXXX XXXX of XXXX Wisconsin in the amount of $ XXXXas expected deposited into my business account personally with very clear instruction that I want to be notified when the funds have " CLEARED ''. The teller at the XXXX XXXX branch said that it would only take a day or two I said I am not in a rush. On XX/XX/21 NFCU posted this check as cleared in my account. I contacted NFCU via phone and was again confirmed that the check had cleared. I proceeded to NFCU in XXXX XXXX Ca to then complete the transaction by sending a wire in the amount of $ XXXX. Once again I asked if the check had cleared NFCU said yes- I sent the wire and on XX/XX/21 I went on line and my business account had been frozen the check was returned and I was obligated to pay the $ XXXX per NFCU the security department told me its my responsibility and would I like them to place a hold on the wire I said yes I asked why they never contacted me and that I was the one contacted them. On XX/XX/21 I called NFCU security and spoke XXXX after explaining this she also asked me if I wanted a hold on the wire -it took 5 business days for NFCU to implement actions to recover or stop the wire. At that point my accounts had been cleaned out at NFCU they took $ XXXX in my business and savings account and even took my social security payment. I spoke with 2 additional security people at NFCU and their response to their lack of notification and implementation was at best cavalier. I offered to go to mediation they refused I offered a settlement they refused. I have no money I am XXXX and just had XXXX XXXX operations in the last 6 weeks. NFCU told me that " cleared " is defined by them differently and that I was liable. They breached their fiduciary responsibility to me as well as business client. Conducted their own investigation of themself and they have self judged that they did nothing wrong. The covered up their misleading incorrect responses and rather than show the proper integrity they pass it on to me. I will be forced into bankruptcy at XXXX and my XXXX XXXX XXXX company XXXX will be destroyed. Help me please XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation