vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: UT

Complaint narrative:
Amerisave is disfrauding customers. Their apy is not comparable. The loan disclosure revealed fraud. They are only accounting for 6 months property taxes compared to others which are using 12 months. This decreases their apy and allows them to defraud shoppers making it look like closing costs are lower. They then increase points giving them more money.

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 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I opened an account on XX/XX/XXXX buying several types of coins. I moved money from wallet to the Coinbase Vault service on the XXXX. On XX/XX/XXXX I withdrew 2 small accounts that consisted of earned money from learning about several coins. That money had not been moved to the vault. The problem began when I tried to move money from the vault to my wallet to withdraw it. The process calls for 2 step verifcation within 24 hrs. I verified both places but my account would only register that I approved one. I tried this several times over a number of days from XX/XX/XXXX on. I wrote to support XX/XX/XXXX and got response the XXXX saying they needed me to verify who I was and then let them know and they'd move my money to my wallet and give me a new vault. I did that. Then they said verify and provide selfy. So I did it again but there was no place to enter a selfie. I asked them where to enter a selfie and got no answer. I verified again and sent support a selfie. No response. I wrote several times. No response. Got an email asking if my issue was resolved I said no. No further support. I've written several times asking if they're stealing my money and gotten no response. I paid to have my bank account stop any further withdrawals. I could not sell when the market was up or use that money at a legitimate site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
Us bank did not reply to the right dispute they took 4 bounced check fees out of me when only 1 item bounced

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to XXXX. I was complaining about these two : 1.XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from XXXX contacted XXXX XXXX by phone and had my XXXX XXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXXXXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage  payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I hired LexingtonLaw to fix my credit issues after I seen no progress I canceled the service in XX/XX/XXXX but the the charged me so I request a refund which the said the would refund me {$100.00} they didnt I kept on calling texting till the finally agreed to refund me the {$100.00} around XX/XX/XXXX I have the text to prove it so I went and check my account for the {$100.00} and the still made an unauthorized withdrawal from checking account after I had canceled there service XX/XX/XXXX. The. The refunded me for withdrawal from XX/XX/XXXX and didnt refund me for the illegal withdrawal they made on XX/XX/XXXX 2 month after I canceled the account with LexingtonLaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.

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 2020-08-26 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: TN

Complaint narrative:
Equifax is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.

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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXXhree checks of ( {$1900.00} ), ( {$2100.00} ) & ( {$2200.00} ) were deposited into my bank account and were later found to be UTL ( Unable to locate account ) then were returned with fees. Also, a XXXX to a fake name XXXX XXXX XXXX XXXX XXXX to various numbers were sent out. I described that these were scams to USAA phone representatives and provided information of the scammers including names, phone numbers, social media accounts and addresses that I had to hunt for. All in all they said I'm held liable when this was unauthorized. I asked if I could dispute those charges and was told yes by one representative days go by I hear nothing. I ask again and I get told no by another. I started a fraud claim and ultimately got told that I'm held liable. I have contacted the numbers and emails to try to get these scammers to refund the money back but of course they did not budge. My accounts are now negative over - {$6000.00}, restricted to only credit and I have bills and other things to pay for. I could potentially lose my job and car due to this. The final option given to me was to take a loan from them or somewhere else and that will put me in more debt than before. I have so much evidence but my bank is not investigating further into this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I checked my credit report online and saw a collection account listed by Caine & Weiner for XXXX XXXX in the amount of {$99.00}. I never received any communication from this agency relating to this alleged debt prior to it being put on my credit report. I do not owe XXXX any money and I would have told them that if they would have notified me in advance as per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When we were selling our home in the summer of XXXX, in a very " hot '' market in our area, the Bank of America appraiser came back with an appraisal that was {$25000.00} under asking, claiming that it was based on the fact that he believed that we were in for an economic downturn in XXXX and that would impact housing prices. This was as opposed to valuing sales of similar properties in our area. I am concerned, as a XXXX homeowner, that we were discriminated against and believe we should be compensated for the excessively low valuation. We placed our home ( XXXX XXXX XXXX XXXX NH XXXX ) on the market for {$320000.00}. The valuation came in at {$290000.00}. We tried working with Bank of America to resolve but they refused a second evaluation, and refused to review the first.

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 2020-08-26 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a loan with JPMCB CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made a purchase under {$60.00} in XX/XX/XXXX. Yes I realized that i missed the payment so I paid and the late fees. I have spent so much on late fees. I finaly said okay, I will pay all them and that is when I spoke to someone in XX/XX/XXXX. They told me, I could skip the the next 2 payments ( XXXX & XXXX ) and no additional late fees, so I said I want to get this over and done with and at least I had some time to pay. Well to my surprised I get a call from a person trying to collect. Looking at the history the Company did not keep their part of the bargain and charged me a late fee ( on top of late fee balance on XX/XX/XXXX. I understand if the balance went unpaid into XXXX then I would have a late fee in XX/XX/XXXX. At that point I paid everything except the {$35.00} late fee that they were not supposed to charge me on XX/XX/XXXX and once again I message them to correct it. I was confident since I had in writing that they would not add no late fees in XXXX and XXXX that it would be taken care of and once again I have a late fee because of that XX/XX/XXXX late fee and I just can not see the end of this. I feel like they are abusing. See attachment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

09 XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution.XXXX, XXXX, and XXXX  reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation