vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX  servicer ( XXXX ) to new service provider named AmeriHome on XX/XX/2020 but principal loan amount waht new servicer ( AmeriHome ) showing into their system is higher compared to the principal amount it should be. 

As per payment history information I have copy from previous loan provider ( XXXX XXXX/XXXX  ) it's clearly said on XX/XX/2020 Loan Servicing Transferred with principal Amount of {$500000.00} where as on new Loan Servicer company ( AmeriHome ) keep saying and showing principal amount of {$500000.00}. 

I tried to spend few hours on multiple days with AmeriHome support people and send/provide the proof as document ( payment history from previous mortgage servier ) to them as well but they are just throwing me one department/person to other and not getting help at all into resolve this problem as of today XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, one unauthorized transaction occurred on each day. The first unauthorized transaction had a sum of {$500.00} and the second transaction had a sum of {$300.00}. Both transactions were accomplished through XXXX to a completely random email. I called the very same day to dispute the transactions with my bank ( Wells Fargo ). They told me they will file a claim and the issue should be resolved within 10 days ( Both transactions at the time were pending ). I called the next day to have my account number and online banking account replaced to prevent any more possible unauthorized transactions. I also mentioned to the specialist to make note my email that is tied to my online banking account has been under multiple attempts to sign in from other people besides me ( I have the XXXX alerts ). The specialist said this would benefit my case as this can mean my account was hacked. After 14 days when I first made the claim ( today ), I called to see what was going on with the claim. That is when they told me my claim was denied for I made both transactions and I was trying to trick the system. The account that received the amount is now unregistered with XXXX which makes it even more suspicious that it was not me who approved the transfer.

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 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have excellent credit ( >820 ) and three times I have attempted to apply for the Citi Aadvantage card.  All three times I was sent an IRS form 4506T because they needed to " verify financial information ''. The first time I submitted an application on XX/XX/20 and they sent me the IRS form soon after, and after several months of not receiving a response and regularly checking my application status online, I called in XXXX to ask what was holding up the process. They told me my application had " expired '' because they did not inform me that ( according to them ) line 3 of the IRS form I submitted was illegible. Line 3 is  for current address, which they mailed the form to in the first place, so it seems odd they could not fill that in themselves. The representative I spoke to about this told me they could see the form and that it was illegible. I asked them if any part was legible and they said no, not a single letter. I asked them to read me something from Line 2 since I wrote it in the same handwriting and they refused to even acknowledge they could see line 2. I believe they were lying for some reason that they could see the form I submitted - for what purpose I have no idea. I was told I needed to re-apply, and of course a couple weeks later they sent me a new form 4506T.

The second time I submitted form 4506T they emailed me with with a denial notice because they " couldn't verify some of the information on [ my ] application ''. When I called to ask for an elaboration the representative again said they could not process the form 4506T due to an " attestation '' box not being checked ( their words exactly ) and that I would have to submit yet another 4506T, yet the IRS form was sent to me with all the relevant boxes checked already. This time the representative told me I could email an image of the IRS form instead of mailing in a physical one which I had done the first two time. This third time I simply sent an image of the exact same form I had submitted the second time to the email address the representative  provided. After two weeks I received in an email the exact same denial letter citing that they couldn't verify information.

I have jumped through hoops for a simple credit card application. As I mentioned, I have excellent credit, and I was honest about the information on my applications. I believe they are denying me credit for some other discriminatory reason.

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 2020-09-11 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: PLANET HOME LENDING, LLC
State: KS

Complaint narrative:
During the COVID-19 initial impact on the United States my home loan company promised that if I enrolled in their loan forbearance protection I could skip up to 3 months of payments with no impact that would be reassessed at the end of the 3 months. I only skipped 1 month and quickly repaid it back over the next 2 months. They reported to the credit bureaus that I missed a payment. This clearly went against their published policies that during the pandemic no negative reporting would occur. They violated their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: CA

Complaint narrative:
The person that charged the card advised the credit charged to be credited. Best Buy Visa by Citibank didn't issue the credit. They do not understand that I suffered a XXXX XXXX and have my phone number on my business card and wallet.

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 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I received an offer letter saying they would forgive my collection account of {$290.00} if I paid {$170.00} by XX/XX/2019. On XX/XX/2019, I paid such amount and I have proof of the offer letter and of the payment. On XX/XX/2019, I received a letter of the payment confirmation and now they were asking for the remaining balance which they offered to forgive in their previous letter. I have proof of my bank statement as well showing that I met the requirements of the deal that they offered me. This popped back on my credit report with all three credit buraus. I filed disputes with all three. XXXX  and XXXX seem to have removed such item from my credit reports. However, Transunion does not seem to agree with that. I was taken advantage by this collection agency and Transunion seems to be siding with 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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
XX/XX/XXXX : Mortgage paid in full XX/XX/XXXX : First contact requesting company file satisfaction of mortgage/lien release sent to XXXX [ auto reply referred back to customer service ] XX/XX/XXXX : Followed up with Loancare : " The agent I talked to said that it looks like they're trying to expedite the paperwork and I should check back in 5 to 7 business days. So maybe next week. '' XX/XX/XXXX : Followed up with Loancare. " It doesn't look like it's been sent yet, they have 120 days, they'll try to expedite it, call back in 5 to 7 days. Their 120 days is up on XX/XX/XXXX, if I'm calculating correctly. '' XX/XX/XXXX : Followed up with Loancare. " The agent I talked to today said that they're putting in requests to expedite and those are then being closed because they're not expediting anything due to COVID. She said it usually takes 90 days, which puts us into the second week of XXXX. I said that the others had said 120 days and she admitted it can take up to 120, but it's usually done in 90. And she doesn't know why it takes that long - just that it does. '' XX/XX/XXXX : Followed up with Loancare : " The agent talked to said that the documents were sent in XXXX, but that there was no copy of the document that I could access through their online system and she didnt have a specific date on when it was sent or tracking information or anything. So Im a little concerned that it was not actually filed and she was looking at the wrong thing. '' XX/XX/XXXX : Followed up with Loancare : " I just talked to Loancare again and the person I talked to THIS time said that the document actually has NOT been mailed and the request is being processed and should be released by Friday ( XX/XX/XXXX ). She said that a physical letter is sent to the county and shed put in a request to have a copy e-mailed to me when its released. '' XX/XX/XXXX : Followed up with Loancare : " They said that the lien release was sent to the county electronically on XX/XX/XXXX. '' XX/XX/XXXX : Followed up with county - paperwork has not yet been received. Followed up with Loancare, " they  confirmed that the notes in our account say it was emailed on the XXXX -- I asked if the Loancare agent if e-mailed meant that it was submitted electronically and she put me back on hold. Then she came back and said she *thinks* they were actually physically mailed and theyd e-mail a copy to me as soon as they have it in the system and to call back if I dont have the e-mail by XX/XX/XXXX. '' XX/XX/XXXX : Followed up with Loancare. There is no tracking or proof that the documentation was sent. Agent offered to have a senior manager in the lien release department call me. 6 hours have passed and no phone call has been received.

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 2020-09-11 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: TX

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 like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: IL

Complaint narrative:
I am writing to file a complaint against Equifax. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Equifax provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Equifax has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Equifax continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was approved for a loan forbearance by Huntington Bank on XX/XX/20 for three months - XXXX, XXXX, and XXXX. I started making payments again in XXXX. Although I received confirmation from the mortgage department the end of XXXX I would receive a packet in the mail to sign authorizing an extension of my loan for the same duration, I haven't yet received documentation. Furthermore, I've receive weekly calls from XXXX requesting I call the bank immediately regarding thel loan. I've talked with the mortgage supervisor on XX/XX/20 at XXXX who assisted me to verify the debt letters I received weren't valid, as they use an automated system to generate letters. A month later, she also initiated a complaint on my behalf because calls and emails were still being sent to collect payment. Eventually, XXXX XXXX called me on XX/XX/20 to address my concerns and waive inspection fees of {$60.00} that accrued to date. He contacted an analyst to send me documentation to close out the loan forbearance on XX/XX/20 but I still haven't received documentation to date. I called him again on XX/XX/20 to inform him I still haven't received documentation. In addition, I'm still getting calls from the mortgage department and they've also have been calling my husband 's number asking for me. I told him I'm being harassed for nothing since I've been paying the mortgage since XXXX. I've called several times requesting to speak With a supervisor to no avail. I don't know what else to do because I'm being harassed for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: IL

Complaint narrative:
I am writing to file a complaint against Experian. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. 

I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

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 2020-09-11 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: AES/PHEAA
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with non-monetary relief