vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I, XXXX XXXX XXXX XXXX XXXX submitted an application for refinance with AmeriSave. We were assigned to XXXX XXXX and was asked to completed submission of documents which were done within 24 hrs and also to pay for appraisal and then a third party would contact us to schedule. We were advised due to the Cov-19 that the appraisal could be a drive by due to safety concerns especially since we have new born. We advised we would like a drive thru appraisal. We were then contacted by the appraisal company on XX/XX/2020 and appraisal was scheduled for Thursday, XX/XX/XXXX at XXXX. 

On the XXXX person knocked on door to perform appraisal and asked to come in ; we advised the appraisal is a drive by appraisal due to COV-19 and therefore there will not be a need to come in. <note> Appraisal Company : XXXX XXXX XXXX XXXX was retained by AmeriSave Mortgage Corp., XXXX to coordinate real estate appraisal of our property located at XXXX XXXX XXXX  ; XXXX, TX XXXX. 
guy advised he would just take a moment to take few pictures of the home and that was it appraisal would be done and submitted to us within 2 business days. 

It is now XX/XX/XXXX and no delivery of appraisal has been provided to myself, nor XXXX XXXX, nor staff of AmeriSave. We the home owners have attempted on several occasions to contact them, as well as, AmeriSave alleged did the same and have not gotten an appraisal. 

On XX/XX/2020 XXXX contacted myself XXXX XXXX and advised they finally received a response and was advised the appraisal was cancelled. 

Conclusively, we have a mortgage/appraisal company that has taken money from us without delivery of services that will not respond to calls or provide delivery of services paid for. We have made several calls to AmeriSave complaining about the matter and asking to step in and assist and still no resolution. We now had our credit ran which took an hard hit and dropped our scores and money taken from us and no refinance due to lack of appraisal. 

Were asking for immediate course of action to be taken. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.

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 2020-05-07 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.

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 2020-05-07 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: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX pulled my credit report without my consent. 

The lender advised they would NOT make a hard inquiry onto my credit report. I advised XXXX  of this and they stated that even though the inquiry was made ILLEGALLY, they would not be removing the inquiry from my report. 

I contact XXXX  I contacted the creditor who pulled the report illegally and both refused to correct this. 

The report was pulled by : CIC Mortgage Credit In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX The original Organization is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent Transunion a letter disputing some inquiries that were unknown/unauthorized to me and they never responded or let me now an investigation was taking place. Its been over a month without hearing anything and then I sent the same letter again on XX/XX/2020 certified along with a method of verification letter ( which they received ) and still have not heard back from 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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I sent a letter via certified mail to Barclay 's Bank, which they received on XX/XX/2020, in which I disputed ( 4 ) credit card transactions. 

Barclay 's Bank violated Reg Z by failing to process my credit card dispute within the established time periods under the law. The bank acknowledge, on a recorded phone call that they violated Reg Z by failing to respond to my dispute within 30 days. Furthermore, despite receiving my dispute letter and documentation via certified mail, they did not even create the claim even though they had my letter in their system. The representative was able to pull up a copy of the letter and see it, but could not explain why no action was taken. The rep stated that she would create a dispute case as of that day ( XX/XX/XXXX ) - but I explained that is a violation of Reg Z as the case should have been created on XX/XX/XXXX. The representative stated that it is not possible for her to " backdate '' the dispute claim and that consequently they will not be able to resolve my dispute within 60 days of XX/XX/XXXX. This is a clear violation of Reg Z.

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 2020-05-07 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: NY

Complaint narrative:
These items are not my accounts or inquires

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 2020-05-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With Trans Union LLC has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that Trans Union verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: NY

Complaint narrative:
I bought at beginning of XX/XX/2019 some products in XXXX since the bill was a little high. I took the offer the same site was offering to finance with this company XXXX. Long story short, I returned products for end of XXXX ( XXXX and XXXX to be more exact ), I informed XXXX and XXXX of this. Few days after my loan for this devices already return was expiring and there is that XXXX started to send me text, phone calls, emails saying that I was responsible to paying loan no matter if I return device or not (??? ) I respond to every text, phone call and email regarding this situation and explaining how Wasnt in my hands to resolve this, since the products were with XXXX already and they were taking long time to analyze. Finally XXXX sent half of the payment, dont know why only half. But that made XXXX continue annoying me with a debt I Supposedly have, for XXXX XXXX finally sent all the amount. And XXXX finally report account as paid, but the problem is. They report this to Experian. As a Delinquency account, that after I complaint to Experian they finally recognize as paid but left unpaid historial on my report, that that only thing reduce my credit score from the 730s /740s to the 630s. I reported, but dont seems like XXXX or Experian care on cleaning this unfair situation.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These items are not my accounts or inquires

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 2020-05-07 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: NY

Complaint narrative:
These items are not my accounts or inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery services  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: JAMES B. NUTTER & COMPANY
State: OH

Complaint narrative:
James B Nutter reported a missed payment on my account for XXXX 2020. I disputed this missed payment because of military orders prevented me from sending payment in on time. I disputed the missed payment information and never heard from the bank until I sent an email to them asking what happened with dispute. The representative told me to send the military orders in via email and they will work on it next month. I did that, but then was told via email that the missed payment will stay and was given a link to a XXXX XXXX handbook that does not say anything. I asked what page or paragraph I should be referring to and no answer. They are treating me very badly. I know they broke the rule by not appyling within 30 days which I have email proof of. I will attach email showing that letter was sent to a random address and never picked up. I can submit military orders, but would do so in a more secure way. I will be going to XXXX/News Outlets as well unless CFPB can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I would to file a complaint regarding a dispute issue that I have with American Express. I have a initiated a dispute with AMX after I had attempted in good faith to resolve the issue directly with the merchant. The merchant promised a refund on different occasions, yet, no credit was issued to my AMX credit card. 
I have paid for this transaction by other means and I have provided AMX with all relevant documents to proof my case. AMX dispute department ignored all the documents and did follow up with me about this dispute. Below are the information to lock up the dispute case. 

XXXX : Account ending # XXXX Dispute Received XX/XX/2019 Disputed Amount {$1300.00} Ref. No. XXXX Dispute Reason Paid directly to the establishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not my accounts or inquires

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 2020-05-07 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

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 2020-05-07 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

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 2020-05-07 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof XXXX of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in  detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.

Company response to consumer: Closed with explanation