vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I searched for mortgage refinance online and came across Amerisave Mortgage, and was connected to Loan Originator XXXX XXXX. XXXX did my credit check and started the loan process, which would refinance my current mortgage at 2.5 % fixed APR for 30 years. I committed to Amerisave and gave them {$500.00} deposit, which was non refundable if I chose not to proceed with Amerisave. All this happened in XXXX, 2021. I sent them my pay-stubs, bank statements, tax filings and W-2s and house appraisal to proceed with the loan, I was prompt in responding to them them and getting them the info. Late XXXX, early XXXX I stated to contact XXXX I felt things were moving bit slow, after couple of attempts I get a phone cal, no response to e-mail telling me the loan was not locked, I can no longer get the 2.5 % rate. I lost out in a drastic way as there were other lenders offering me similar rate in XXXX. Then I was told to get 2.5 % it will cost me {$13000.00}. The initial cost that was mentioned to me in XX/XX/2021 was around {$800.00}. 

XXXX 's info : XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My minuim payment due has been {$35.00} for quite sometime and for higher balances than the one i currently have. Chase claimed they sent a letter in XXXX stating the increase would take effect after XXXX. Card holders had to XX/XX/XXXX not to accept these terms, close their card account and keep their miniumn payment at $ XXXX  monthly. I never got the letter and was just told even if I agree to close my account i still have to pay $ XXXX monthly because i missed the deadline. 
I'm XXXX old on a fixed income and {$5.00} a month more to pay is a lot to me. Even if I could afford the increase I am still going to file for bankruptacy because I am done with the XXXX banking system in Amereica! At the height of a pandemic Chase bank felt justified to squeeze even more money out of it's clients. They're XXXX! I hold our government responsible for being the enablers of these XXXX   because for decades both Dems & Reps have XXXX the XXXX  of bankers granting them whatever they wanted! I never wanted a credit card in the first place and only got my first one at age XXXX simply because a Chase banker insisted i needed one to raise my credit score.That 's a rigged system! I see America as the dark force of the world not the beacon of light it pretends to be. Most of the world is now realizing that too!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I receive a notice that there was going to be a shortage in my escrow account I called the lender and spoke with a representative that gave me the breakdown of the shortage, insurance went from XXXX - XXXX and my taxes went up XXXX. I was then told to keep my payments the same I would need to send XXXX which I did on XX/XX/2021 and called them and advise them that this was a escrow payment. Now I see that they didn't apply that payment and now said I was short XXXX cents which was never mention in the conversation I had with the representative. I just sent them XXXX to cover this.

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 2021-05-03 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt was settled with XXXX XXXX yet Credit Collection Service is reporting the account as adverse and that there is a balance owed. 

Be advised a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
Hi I am contacting you regarding the company or collection agency JHPDE Finance LLC who is reporting a debt the original creditor is listed as XXXX on both the police and FTC affidavit that was settled and deleted because I was a victim of identity theft. I have attached the police report with case number and the Federal Trade Commission Report with File number to have them remove this. They did not call me to discuss this debt owed at all and it is damaging my credit worthiness. 

I want them to delete immediately again since this was due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
This has been going on so long I can not remember the exact date it started. I have tried writing the company and calling them. I can not get a response regardless of what number XXXX use to call or address I use to write them. When I make my monthly payment the recording always states I owe more than my payment. This is having an affect on my credit rating. Out of frustration and desperation I finally paid the amount they said was due but it did nothing for me. This month the same thing happened again. I have requested a hard copy of all my payments and can not get them to send one. I want a hard copy that shows how, when and why they keep coming up with their amount due. They do not cooperate at all or respond. I know for certain this was going on as far back and probably further back as XXXX of 2020. Can you please help me out of this mess? I am XXXX XXXX XXXX and feel they are taking advantage of me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am handling my parents estate. In XX/XX/2021, both my parents passed due to XXXX. I am the executor of my parents trust. In the middle of XX/XX/2021, I went to a local branch and submitted both death certificates and all trust documents, as well as the banker took a copy of my drivers license. I have made numerous visits and calls to try and let me have access to the account and as of XX/XX/2021, I still do not have access. On XX/XX/2021, I resent all the documents and even included a certificate of Trust and Acknowledgement Certificate. I STILL DO NOT HAVE ACCESS. This has been a very stressful time and Chase has only made it worst. How do I get access to my parents money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or around XXXX I made a purchase of an electric fireplace for {$96.00} from an advertisement on XXXX. I used my Bank of America debit card for this transaction. I never received the purchase and tried reaching out to the merchant to no avail. I contacted Bank of America and disputed the transaction. They credited my account and began an investigation. About 2 months later they took the money back out of my account and sent me a letter stating that I had received the purchase, which I had not. I called them several times and sent the following letter. I also sent a complaint to Bank of America complaint department. I have found out in speaking with several others that Bank of America has been denying claims from it's customers. Maybe it's time for the consumers to withdraw our funds and go to other banking institutions that are more sensitive to the consumer needs. 






Bank of America Attn : Debit card operations XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2021 Re : Claim # XXXX Amount : {$96.00} Dear Sir or Madam : I am writing to dispute a determination to remove the amount of {$96.00} from my account based on a claim I submitted for the order of an item that I am not in possession of or was never in possession of. 

The determination is inaccurate because the merchandise I ordered was never delivered. I live in an apartment complex and there is no porch to my building and the USPS tracking slip says it was delivered at the front door or porch at XXXX on XX/XX/2021. However, it does not give an exact address it says XXXX, NJ XXXX. 

When I get deliveries to my apartment the XXXX, XXXX XXXX, XXXX person or the mailman rings the buzzer to be let in the building if the packages are too large to go into my mailbox. 

I work from home and I am here at my apartment every day, and if I am not here my daughter or husband is here. 


Please find enclosed the copy of 2 emails I sent the seller regarding the purchase of an electric fireplace in the amount of {$96.00}. As you will see I never got a response from the seller which raised my suspicion that the transaction was fraud and that is why I filed a dispute. 

Please thoroughly investigate the nature of the claim before deciding to decline my claim again. 

Thank you in advance.

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 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received a letter from a debit collector stating if I do not pay them. They will take legal actions against me. I have reached out to such debt collector for them to validate this erroneous information on my credit report. I have yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
on XX/XX/21, I disputed a few items on my credit report. I sent in a letter disputing these items ( see attached ). In that letter, I stated that I do not consent to online delivery of my results. They notified me via email that the disputes are complete and I can access my results online. Clearly this is wrong since I stated that I do not connect to online delivery of my results. Upon reviewing the results, they state that the items were updated. They clearly have not been updated and have all of the exact same information in the previous reports.

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 2021-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Auto loan with two signatures, my own as Step-Father to my Step-Son, a member of the U.S. military and the principal driver of the used vehicle. Loan has been paid on time and has approximately six payments remaining to completion.

Requested a lienholder agreement to have the vehicle shipped by the Federal Government from XXXX  to XXXX  due to XXXX XXXX. Seven phone calls and a variety of promises made brought an extreme amount of discontent, emotional distress, and absurd inconvenience. On several of these seven occasions ( which the bank indicates they have documented ), staff members promised the delivery of said letter. Indeed, they assured that it had been physically mailed on XX/XX/2021. When never received, on two instances members of the bank 's staff indicated they had satisfied the need and request by emailing a secure document, only to find that the document they had securely sent was merely a scan of the original sales agreement, not a permission letter to transfer the vehicle 's location.

In the meantime, my son had to ship out, so his vehicle now remains in XXXX. We have finally been provided the lienholder agreement, but in the interim he is suffering costs which would not have been necessary for XXXX  and Rental fees.

The bank indicates that, because they have finally delivered the document that was required, there is no accommodation, consideration, or reduction in balance that can be provided us in courtesy or compensation for actual damages, emotional distress, and/or inconvenience. We have escalated our requests all the way to a corporate officer, who indicated they would " document the call '' but that no remedies of any type would be extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: CA

Complaint narrative:
original loan was with XXXX. debt was paid late to XXXX  XXXX XX/XX/2021. Debt has been sold to Vance and Huffman. They are reporting it as a brand new XX/XX/2021 delinquent debt. Original debt is over 3 years old. Vance and Huffman refused to validate debt and insists that it is ok to report the delinquency as XX/XX/2021. Vance and Huffman refused to do due diligence on payment to XXXX XXXX and insisted that the onus of any debt validation is on me and not them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late 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 non-monetary relief
Consumer complaint received 2021-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the GLB ACT and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.

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 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I used to have a Wells Fargo account. Stopped using them bc of their poor quality of service. I recently received a letter in the mail regarding a refund check that was mailed to my previous address last year. A few excerpts from the letter : " ... we would like to ensure you received the refund for x amount ... '' And " if you did not receive the check, please contact our office at the number below and we would be happy to reissue your refund ''. I called first at the end of XXXX and then again mid XXXX after not receiving the new refund check that they promised to reissue on both occasions. I called again today ( call # 3 ) and this time, they mysteriously couldn't find my information at all and would " call me back ''. 

I do not have any hopes that they will ever call me back, considering that the issue was supposedly resolved the first time I called back in XXXX. 

According to XXXX, the " supervisor '', they would " investigate '' and call me back. Ha. He also " didn't recognize '' the Wells Fargo customer service number on the letter which I used to call to get in contact with him ( after being transferred several times ). This company is a joke. As far as I am concerned, they are guilty of theft for not reissuing the check for MY money. My only guess is that they are stalling and dragging their feet until the " applicable time period '' is up so they don't have to give me my money. Clearly, they are not happy to reissue my refund as they previously stated

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 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX XXXX  EST, I executed a trade of XXXX DNT  ( XXXX ) tokens using the Coinbase App. At this time the spot price on Coinbase was XXXX USD. As communicated through the Coinbase App, when I agreed to sell my tokens, my portfolio was valued at XXXX, XXXX USD. As the transaction was completed moments later, my portfolio, then in USD, was valued at XXXX USD - an evaporation of XXXX, XXX USD having been given XXXX USD per token, while DNT was still trading north of XXXX higher. I fully understand slippage is to be expected while trading cryptocurrencies, especially on Coinbase, however a delta of north of 20 % is not slippage but an error ( at best ) and one that hopefully is corrected swiftly.

I've attached screenshots of the transaction as well as a video illustrating the sudden, instant, drop in my portfolio value.

Please see the attached for reference : Image # 1 & # 2 : DNT 's Coinbase Spot Price on two different views showing that at XXXX XXXX EST, 1 minute after my transaction was executed, the spot price was still XXXX - XXXX USD. 

Image # 3 & # 4 : My personal Portfolio balance at XXXX XXXX  EST on XX/XX/2021 and my personal portfolio balance at XXXX XXXXM EST on XX/XX/2021 after I had sold my DNT. 

Image # 5 : This video illustrates the above ( similar to Images # 3 & # 4 ) and clearly shows the evaporation for XXXX USD in portfolio balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 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: WI

Complaint narrative:
There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late 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