vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I initiated a biweekly payment program with Amerihome Mortgage to pay down interest faster in XXXX of 2020. In doing so this required me to give them access to my bank account. When I received my statements the payments were being deemed 'partial / unapplied ' payments. I called on this in XXXX of 2020, where I was told there was an issue and I was being escalated and a manager would call me back and the issues would be fixed. I was informed on this call that it would take 24-48 hours for a manager to call me and 30 days to fix the issue. After waiting 6 weeks my I received my next statement read the same way 'partial/unapplied payments. ' I called again where I told that Amerihome didn't offer a program where the payments would be applied to pay down the mortgage faster, but a manager would call me back. After no call back I called 5 days later, I was told a different story that it was supposed to be applied, they would fix and a manager would call me back. I finally called and canceled this program, I finally got a call back! It was not a manager it was a customer service rep stating I owed another 1/2 payment prior to XX/XX/XXXX to not fall behind ( again told a manager would call ). On XX/XX/XXXX I made the agreed upon 1/2 payment. At point after having 2 confirmations that my bye weekly payment was canceled Amerihome stole money from account in the amount of a 1/2 payment. I called to complain, the rep said the monies would be returned in 24 hours and a manager would call me back. 3 days later I had another 1/2 payment stolen from my account. I have now called every 2-3 days talking 5 additional people saying I would have my money overnighted back and have within 24 hours and a manager would call back in 24-48 hours. In all, I believe I now have called 11 times, no manager call back, no monies returned to me. This company has no issues in stealing your money and hope you go away. In this time of a panademic, if they are doing to this people without a concern for there well being it is just sad. I could not even speed up their process of getting a call back using the term you, 'stole my money. ' Please help! 
Last 5 people spoken to XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
Guaranteed Rate Inc. continues to report my account as delinquent despite claiming in complaint id number XXXX XXXX that the matter has been corrected. 

Guaranteed Rate Inc. has not corrected the interest I am being charged. They merely credited my account with 2 payments in XXXX ( rather than applying the payment they lost in XXXX when it was made ) and they removed all the late fees they had been charging. Had the payment been applied in XXXX when it was made I would have been charged less interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: VA

Complaint narrative:
On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.

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 2020-11-02 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had a number associated with my paypal that I changed. It was XXXX. I wrote the XXXX  to ask Paypal to lift this so I could change my number as I couldn't get into my account. They did not and will not. At the same time, they won't let me open a new one with my banks because my banks are attached to the old account with the email XXXX, so I want it closed as I can not even get in to close it and they won't either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal was notified that my credit card was used fraudulently. They closed the account and placed it on my credit report as unpaid debt. They refuse to submit a fraud claim. I want this debt removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: VA

Complaint narrative:
On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.

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 2020-11-02 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to XXXX and DISCOVER CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
With Transunion, I have sent certified tracking the mail yet I cant get a mailed response from this credit agency after sending several complaints I have tried using their website and get error messages of all sorts to say its down for maintenance I waited for a response for 60 days now and no word from them but yet the fraudulent information is updating continuously, I feel these kinds of issues from this company is to discourage me from enacting my rights as a victim under federal law.

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 2020-11-02 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: CA

Complaint narrative:
Transunion and XXXX continue to allow XXXX XXXX to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent Transunion and XXXX both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both Transunion and XXXX continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both Transunion and XXXX still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! Transunion and XXXX are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}

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 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MECHANICS BANK
State: CA

Complaint narrative:
We are in the middle of purchasing a new home and need the mortgage statement of our current primary home. It all started a little over a month ago when I requested for my online password change request. I have been trying ever since to get them provide me access to my account. Each and every time every day that I have been calling them the bank keeps telling me I will be contacted with my account details and access. Till date they have not given me access to my own account and I have not even received my paper statements either. I have no clue as to what they are doing with my account. They keep on passing the bucket to another department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
A year ago in late XXXX of XXXX I discovered a derogatory mark in the amount of {$270.00} on my XXXX XXXX report. Upon further research, this account was transferred/sold to Southwest Credit. So on XX/XX/XXXX I sent Southwest Credit a U.S.Postal Service certified letter to verify the debt from this so-called collection agency. Southwest Credit never did verify the debt, NO written form of communication, contract, or signature for this accused debt at all. Then out the blue on XX/XX/XXXX ONE YEAR later and Extremely LATE this same agency FINALLY response with a poor quality photo copy of a bill anybody could've sent and said was mine. Nothing I even requested in XXXX of XXXX was ever sent. According to the FCRA Southwest Credit has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I had a settlement agreement with LVNV Funding, LLC, with payments of {$49.00} being automatically debited every 2 weeks through XXXX XXXX XXXX XXXX. My ending balance on XX/XX/2020 was {$490.00} of a {$1200.00} agreed upon settlement. Payments abruptly stopped being withdrawn in XXXX I believe, I called XXXX XXXX and was told to call Resurgent. Resurgent told me there was no record of my account. I continued trying to find out what happened, while LVNV was added to my credit report in the full amount of {$1500.00}. I was finally able to get a hold of someone at Resurgent who told me they will not honor my original settlement agreement since it was through a different company. I was never notified of the change in processing companies. Resurgent wants to settle for {$1000.00}, virtually eliminating the {$710.00} I have already paid toward this debt. I have disputed through XXXX  without success. I am not diputing the ownership, only the amount owed. I have a document from XXXX XXXX showing the ending balance owed on the settlement. What, if anything can be done? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank closed my account I disputed {$99.00} claim # XXXX card # ending in XXXX claim related to acct # in XXXX on XX/XX/2020. I received a letter saying Chase researched the transaction and agreed it was incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filed a previous grievance regarding CC company 's failure to restore credit line for 15 days after receipt of payment. 

Synchrony Bank dba PayPal cash back Master Card now says I have forfeited my cash back because I cancelled my account. 

I am sure there is fine print in their agreement somewhere that says they can do this. I consider their actions constitute consumer fraud. I cancelled the account via their automated phone system which made no mention of forfeiting the rewards earned. The rewards I had earned are {$1100.00} Synchrony Bank now says I am out of luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I moved from XXXX NY to XXXX XXXX.In XXXX I did a cotrract with XXXX XXXX XXXX XXXX XXXX NY ( a FL Co. ). On XX/XX/XXXX XXXX XXXX XXXX Lines caller said they would deliver my furniture & belongings to XXXX XXXX XXXX XXXX XXXX TX on XX/XX/20. That day, my daughter XXXX XXXX XXXX XXXX XXXX took me to the Chase Branch in XXXX where I had a cashier 's check for {$6200.00} made to XXXX XXXX XXXX XXXX. On the XXXX I presented the check to the mover & he immediately sent a photo of the check XXXX ( he said ). When they replied the moving man said the checked had to be changed to XXXX ( a NJ Co. ). My daughter and I went back to Chase. The teller XXXX XXXX said he cancelled the check, redeposited the money in the account and issued me a new check.The following week I learned I was deficient in the account by {$4400.00}. On that Friday XXXX I went to the XXXX branch, was redirected to the XXXX XXXX XXXX XXXX XXXX XXXX. There I explained the dilemma and the associate said she saw that someone had debited the returned money ( duplicate adjustment? ). She attempted to make an adjustment. At XXXX my daughter came to take me back to XXXX. The associate said she would call me the following Monday or Tuesday. When she called she said the adjustment couldn't made and Chase had no liability. When I got the statement I could see that there was a duplicate debit item, but had no idea what it meant. On Thursday XX/XX/XXXX my daughter called XXXX and asked if they had received a check and was told they had no record of receiving it. I logged on to the Chase complaint and filled a notice. We then called Chase Corporate and asked for an explanation of the " duplicate item ''. We got no reasonable answer. We explained the happenings and was told that the associate could make an adjustment but when she transferred the call the associate paused and then terminated the call. We immediately called back during that conversation some man said the {$6200.00} check had been cashed at XXXX XXXX XXXX. We questioned that as that check was supposed to be cancelled. Nobody answered our question. I have no dealing with XXXX XXXX being from the XXXX my whole life, except 9 years in North Carolina in retirement with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Chime Financial Inc
State: KS

Complaint narrative:
This is about chime bank they suspended my account on XX/XX/2020 which has all my funds my personal paycheck from my second job as well as my sba loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted them multiple times sent in every document they have asked for and they give me the run around and won't release my funds they keep saying 24 hours 24 hours it will be taking care of nothing happens and this has affected my XXXX and my life during this pandemic I had to stop my XXXX because of this I can issue needed refunds or pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I purchased a new XXXX XXXX the day before XXXX in XXXX. I've been trying to pay off the vehicle since XX/XX/XXXX. On XX/XX/XXXX I was informed I overpaid by about {$390.00} and to not pay. I have repeatedly ask XXXX to fix the missing payments on my account due to a " glitch '' in XX/XX/XXXX according to them. 
I financed {$43000.00}, I have paid {$44000.00}. They're showing my principal balance is now {$11000.00} and my payoff is XXXX, which is absolutely incorrect. 
A few reps had some of it fixed but the after the last rep requested the account closed the principal jumped up over {$11000.00} as stated above. They also changed my per diem interest rate from {$0.00} to {$2.00} for no reason as well. That rate had slowly gone down while paying it off and the last person cranked it up again. I'm tired of accruing interest on an account that supervisors are showing should be closed. I want my title free of lien since I have in good faith paid it off.

I have supplied Kia with my bank statements and XXXX, who accepts their payments has contacted Kia informing that yes, every payment was received and processed correctly.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint is against Experian, XXXX  and XXXX  Credit Reporting Agencies for violation of the Consumer Credit Protection Act. The Consumer Protection Act requires all three credit agencies to review my credit history to determine if a raise in my credit score is required. A Bankruptcy was listed on my credit report from XX/XX/XXXX to XX/XX/XXXX which lower my credit score. As verified by my credit report for this 10 years I have a maintain a Exceptional Payment History for all of my accounts however credit score remained the same. Experian lowered my score 14 points from XXXX Good to XXXX Fair the rest did nothing. I have received as answer from XXXX  informing me this information was removed from my account, XXXX  haven't responded.

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 2020-11-02 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation