vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by XXXX that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.

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 2020-11-18 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: DE

Complaint narrative:
Hello. I have been disputing 2 accounts on my credit report since the beginning to 2020. I have sent multiple letters indicating the inaccuracies on my credit report. I have called the bureaus about my investigation and I was told on XX/XX/XXXX by XXXX that they do not have any of my information on file and that the last thing they have was something I submitted in XX/XX/2020. I sent a letter in XXXX of this year. The continue to report inaccurate information on my credit file.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/2020 In the XX/XX/2020 bill from ATT Universe I was charged with something I did not buy or authorize to be purchased from a Best Buy store XXXXThe bill came online so I attempted to delete this charge but could not do so.I called the card company and told them I did not purchase the item or service.Whoever I talked to said a new card would be sent with a different account number but said nothing about removing the charge. I received the replacement cards and checked the account on line only to learn that in addition to the first there was a second charge in the same amount on the statement but had been placed on the replacement card account even though both charges were fraudulent. This process has continued in subsequent billings. I called phone number on the card talked with some without a name for over half an hour but nothing was resolved.At that time I told whoever I was talking to to cancel the account. I receive harassing emails and daily phone messages from-XXXX. I have done nothing wrong yet I am harassed and threatened. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Recieved forebearance and deferrement back in XXXX thru XXXX. Applied for extension. Never received anything stating the extension wasn't approved. Everytime I logged online it stated that we were still in forebearance up until XX/XX/2020. Even so still paid as much as I could during this time. Rang to schedule full payments starting from XXXX and was told Forebearance expired XXXX and the extension was not approved. I now owe over {$10000.00}. Explained that I applied for extension of forebearance and deferment in XXXX ShellPoint told me - " yeah the website was wrong! '' Company have suggested only plan available is for me to pay {$4800.00} for the next 6 months. Current payments are {$2400.00} I can not afford {$4800.00}. 

I think this is extremely unfair seeing as I made payments during the forebearance and did everything I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TX

Complaint narrative:
The Name of the company causing me stress is Equifax. I notice on my credit report " date account opened '' " date of last activity '' and " payment status '' were all conflicting, misleading, and wrong. I requested the consumer credit application with my signature and they failed to provide it. I disputed the accuracy of those accounts and they continued to report its inaccuracies which are causing me financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My husband died on XX/XX/XXXX. I learned recently while doing other work on line that his name was never removed from my checking account..even though at the time of his death, supporting documents were all submitted as requested. When I called to correct this, I was told that yes, they do have his death certificate on file, but they would have to refer me to the Bank of America Estate Unit. I received a case file # and a case manager who directed me to download tax form L-8, fill it out, have it notarized and submit it along with another copy of the death certificate. I did so, however, I was unable to fill in the balance available in my checking account on the day of his death, because it was almost 12 years ago! I was told by the case manager when she received the document, that I must call account services at my bank and they would provide me with that number. The next day I spent hours on the phone talking to at least 6 different people, none of whom could furnish that information, because apparently records are retained for only 7 years. Why didnt my case manager know this? I emailed her on XXXX, XXXX explaining that i was unable to provide that number and why. I also explained that the encrypted email that she had sent me I was unable to open. My case manager called me today to once again insist that a number must be placed in that tax form box, even if its the number of my current balance. I also learned that a 50 % hold had been placed on my checking account! No wonder when I tried to pay bills on line yesterday all of my payees had disappeared and I was on the phone again trying to diagnose that issue for at least 90 minutes including hold times.Today I find out that the automatic payment to my home mortgage company was returned due to lack of funds because of this hold. 
As requested, today I downloaded a second L-8 form, filled it out, had it notarized again, and I also included copies of letters from XXXX  court granting me guardianship of my husband when he first fell XXXX  in XXXX. These I mailed today. In the meantime I have no idea how many bill payments will be sent back due to this entirely unnecessary hold on my funds. This matter has been grossly mishandled and I am livid.

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 2020-11-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am so upset that I have sent in TWO letters on XX/XX/20 and XX/XX/20 with no responses. I know that by law the bureaus are supposed to send me my investigation results and I have not received any responses.

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 2020-11-18 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC #  XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX

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 2020-11-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: NH

Complaint narrative:
Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on five occasions that the number has been removed and they continue to harass me. The calls have been going on for 4 years despite repeated attempts to convince them it is not my loan. Today, XX/XX/2020 I received a call from Caliber Home Loans. I have already filed a complaint and Caliber Home Loans responded saying they would no longer contact me. I have also filed a complaint with the State of Texas Office of the Attorney General. Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I called Citibank customer service but the call wasn't answered by Citibank, it was answered by an OUTSOURCED CALL CENTER called XXXX. The website is XXXX. According to the website, XXXX employees answer the calls from home. I have reason to believe my financial information was compromised by enabling agents working for XXXX who aren't even Citibank employees to answer Citibank customer service calls which entail personal financial information from their homes. What is the security of information used by the outsourced XXXX employees? What physical security is in place in people 's homes to prevent misuse of my private information? In addition to privacy concerns, I also believe Citibank has developed this outsourcing program as part of the company 's systemic XXXX  and XXXX  to avoid paying benefits and providing job security to women and persons of XXXX who often take call center roles.

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
Our Mortgage was recently sold to AmeriHome Mortgage Company , LLC ( " AmeriHome '' ). We remit payment for our homeowners insurance through our monthly mortgage payment which is held in escrow and then used to pay our annual insurance premium. Our insurance company XXXX XXXX XXXX has sent multiple bills to AmeriHome and AmeriHome has failed to remit payment on our behalf for the annual insurance premium. 

Both we and our insurance provider have called AmeriHome nearly a dozen times to try to resolve the problem without success. Nearly each time we place a call to AmeriHome, the wait time is greater than an hour to speak with a representative.

On at least two occasions, the AmeriHome representative has assured that payment would be remitted to XXXX with overnight delivery, however, AmeriHome has yet to remit the payment from our escrow account to date. This issue has persisted for greater than 2 months.

On three occasions, we have requested to speak to a supervisor and the respective AmeriHome representative states they are unable to transfer the call, but assure a supervisor will call back ; no supervisor has ever returned a call. 

Ironically, AmeriHome has sent at least 2 letters to us notifying that our homeowners insurance policy is at risk for lapsing, which has been entirely caused by their incompetence and failure to remit payment.

We have timely made mortgage and escrow payments each month, even paying greater than the minimum amount each month. AmeriHome has willfully failed to remit payment from our escrow account for our annual insurance premium. They have had written notice from the insurance company, and both we and the insurance company have put them on notice via phone communication on multiple occasions. AmeriHome has failed to take any action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
The name of the debt collection company is Harvard. Today I received a call from XXXX XXXX XXXX XXXX. Caller ID showed XXXX XXXX. When I answered a person who barely spoke English and spoke with a heave accent, either XXXX or XXXX, asked for me by name and identified as being with Harvard Collection. I believe they are using this caller ID scam as a ruse to trick people into answering their phones. This is deceptive and they need to stop! I do not even know what type of debt they are trying to collect and I have been a victim of identity theft so it may not even be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I cancelled a gym membership with XXXX on XX/XX/2020. I received confirmation it was cancelled. Today I received a letter from a Collection Agency stating I owed a balance to XXXX. I asked them what period it covered, because my membership is cancelled. They said they did not know.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the Equifax  data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation