vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I have a mortgage with Amerihome Mortgage company. At the moment my mortgage is 2 months behind. I have a water damage claim with them through my homeowners insurance. The date of loss was XX/XX/XXXX. I submitted the endorsed insurance check from XXXX XXXX 1 week after the date of loss. To date I still have not gotten any of the money to repair my home. Ive called in several times and been told something different each time. I was told to send a letter of request asking that the late mortgage payments be taken out of the insurance money and the rest be returned to me for repairs. The request was denied. Then I was told to send a letter stating in detail the issues that I was having providing the contractor documentation. Due to the busy season and my state requirements they ( all 8 contractors that I got bids from ) said that they cant provide all only some of the docs and since they already have lines out the door for work if they did have to provide them, it would push start and completion date out at least a month. I sent the letter in. Again it was denied and no money released. I am now paying a contractor out of pocket to fix my home. I was told then even after proving a signed contract ( pending ) and receipts of items Ive purchased ( also pending ), I will still have to provide waiver of lien and even then I would only get my money back if corporate approves. With 2 denials from corporate already I feel like Im never going to get my money back. Not to mention how stressful this is in the meantime. This is ridiculous. If this complaint is not resolved with full payment to me immediately I will get legal representation. Me and my XXXX year old daughter have been out of our home for over a month and I as a single mom am having to pay for repairs out of my pocket. This is simple unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
The state of XXXX  is requiring me to pay taxes on my home I purchased XX/XX/XXXX even though Im tax exempt as a 100 % XXXX XXXX veteran since XX/XX/XXXX. Nearly {XXXX} tax bill I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: AL

Complaint narrative:
I have been a victim of identity theft and both TransUnion And XXXX XXXX have been aware of this for over a month. I sent in the necessary documents to these companies and they have failed to follow federal law. The FCRA 605b states that after receiving notice of an identity theft incident that the companies are suppose to remove and or block the fraudulent account from reporting on my credit report which both companies have failed to do. The account is as follows : XXXX XXXX Account : XXXX Date : XX/XX/2017 Balance : {$610.00}

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 explanation
Consumer complaint received 2019-06-27 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: NC

Complaint narrative:
I am a victim of Identity Theft, a fact that I have presented to Equifax Credit Reporting Agency. According to FCRA 605.b when a consumer presents a claim along with documentation from a law enforcement entity the credit reporting agency should place a block or remove the account from the credit report permanently. Equifax didt remove for the following accounts : XXXX XXXX - XXXXand XXXX/XXXX XXXX - XXXX, yet over 60 days later re-entered these same accounts on to my report with out validation and provacation from me. The latter is a violation of not only the aforementioned FCRA legal code, it also violates sect. 611 and 624.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Was contacted by XXXX XXXX XXXX XXXX a short time ago at my job. I told him I can not have personal calls at work. He called again yesterday XX/XX/XXXX in the afternoon and I told him again not to call me at this number. He called again today XX/XX/XXXX at XXXX and I told him for at least the third time not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: IL

Complaint narrative:
I mailed 3 rounds of dispute letters last one dated XX/XX/XXXXXX/XX/XXXXto both XXXX  and Equifax credit bureaus via certified mail to verify ( 2 ) accounts XXXX XXXX and XXXX XXXX from XXXX and ( 1 ) XXXX XXXX  from Equifax. Because this was not accurate information I asked for them to please send me a copy of the original creditors documentation on file to verify that this information is mine and is correct. Each time they failed to do so under the FCRA and sent me my dispute results as being verified. My question to them was how did you verify that this is accurate when you didn't send me proof. 

XXXX  also sent me my results dated XX/XX/19 that they have deleted XXXX XXXX but as of XX/XX/XXXXXX/XX/XXXXit was reinserted back on my credit report. This is a violation because I did not receive from XXXX an reinsertion letter within 5 days after it was put back on my credit report informing me of this. I sent a letter dated XX/XX/XXXX demanding to delete this because of their violation and yet again they came back with this item has been verified. 

Because of there failure to do so, I would like to file a complaint with you for both XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
COMPANY IS A PROBLEM HAVE TRIED TO WORK WITH THE COMPANY THE STORE THAT I OPEN MY ACCOUNT EASY MONEY XXXX XXXX ARE VERY GOOD PEOPLE. BUT FOR SOME REASON EASY MONEY IN XXXX TN MANAGER XXXX COULD NOT GET HER XXXX NAME IS VERY IGNORANT AND RUDE. THE DISTRICT MANAGER HAS NOT CALL ABOUT THE COMPLAINT THIS PERSON AND HER WORKERS HAS DONE FOR HARASSMENT TO XXXX CUSTOMERS. THE XXXX STORE OF EASY MONEY HAS NOTHING TO DO WITH MY ACCOUNT. THIS XXXX CALLED ME 7 TIME IN A ROW HANGING UP AND SCREAMING AND I TOLD HER DO NOT CALL ME AGAIN OR HER JOB WILL BE IN JEOPARDY. I TAPE THE CONVERSATION AND RECORDING THE TIMES SHE CALLED. SHE IS NOT SMART NOR HER WORKERS BECAUSE SHE SHOULD KNOW THE LAW OF HARASSMENT CALLS EVERYDAY WHEN THE ACCOUNT IS WITH ANOTHER STORE. I FILED FOR BANKRUPTCY WAS CALLED BY A CALL CENTER WHO CALLED THEMSELVES CORPORATE SAID SHE PUT A NOTE TO SAY I DECIDED NOT TO FILE WHO TOLD HER THAT AND WHAT BUSINESS OF HERS I TOLD THE STORE I HAVE THE ACCOUNT WITH. THIS WOMEN NEEDS TO BE FIRED XXXX SHOULD NOT BE TREATED LIKE THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX account reporting on my credit report inaccurate and missing information. 
inaccurate account number, missing payment status, missing term, showing reporting negative.

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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ME

Complaint narrative:
Was called in early XXXX, told I had 2 ( two ) hours to pay {$590.00} or legal action would be taken against me. Could not come up with that amount, no payment arrangements offered. The Rep I spoke with, XXXX was rude and threatening. Week later HSBC called again, said I has to pay in full {$530.00} to settle this debt but could not get info on when and how this was my debt. Claimed owed since 2012. Never got mail notification, checked my credit report and NO old credit card debt showing as in collection or charged off. Also received a " recorded '' call from a male who said I was now officially " served ''. My sister advised me to cancel my debit card and file a complaint as she believes this is a fraud. This HSBC has already taken close to {$900.00} from my account since XXXX of this year ... am completely puzzled and frankly tired of being threatened and harrassed ... Any help would be so very, very appreciated. Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have asked Ally Financial numerous times to remove late payments from my credit report. I have never paid late with them. I have tried to dispute the late payments with the credit bureaus and with 3rd party companies and seems to go nowhere? I have talked to them also and the first time I did I told them my situation and told them about my identity theft issues I was going through with my bank and someone stealing my social security and they told me to not worry that the payment I processed that was returned would not show on my credit but it has been years now and it has never been removed and it is hurting my credit score to now be able to buy a home.I do not know what else to do!

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 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I retired, down-sized and moved to the XXXX apartments, XXXX XXXX XXXX, # XXXX, XXXX OH XXXX ( XXXX XXXX XXXX ) onXX/XX/XXXX. I paid my rent on time every month during the time I resided there. On XX/XX/XXXX, the lessor raised the " utility service fee '' via an undated notice that was hung on my door. However, the rental contract ( utility services addendum ) requires the lessor to provide at least 30 days ' notice before implementing a fee increase. That is a material breach of contract by the lessor. I confronted the lessor 's property manage onXX/XX/XXXX and again on XX/XX/XXXX when I paid my rent for that month. At first, she denied the infraction, but later acknowledged it, blaming it on a temporary employee. She also acknowledged receiving numerous complaints about the issue from other tenants, which I confirmed in conversations with two of my neighbors. The property manager declined to rectify the situation, at which time I told her that I would terminate my lease early and without penalty because of the lessor 's material breach of the lease, which she acknowledged. After I gave written notice of intent to vacate on XX/XX/XXXX and moved out before XX/XX/XXXX ( my rent was paid in full through that date ) following their material breach of the lease, I received no further communication from the lessor. I did provide the lessor my forwarding address, email address and phone number. Then on XX/XX/XXXX, I received a bill in the mail from a collection agency, Fair Collections & Outsourcing ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX ), for {$1000.00}, identifying the Woodlands and XXXX XXXX XXXX as the creditor. Note again that I never received a bill from the lessor in the first place. It is also customary practice not to turn over debts to a collection agency until 90-180 days have passed. Furthermore, XXXX has, of this writing, committed multiple violations of the FDCPA, including calling both my mother and sister and failing to identify himself and his employer when requested. The caller 's number, XXXX, has been verified as XXXX 's number.

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 2019-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited {$20000.00} into my savings account at Bank of America. On XX/XX/XXXX, XXXX XXXX withdrew the {$20000.00} from the account the check was written on and Bank of America put a hold on the funds for 10 days until XX/XX/XXXX. 

I called Bank of America on XX/XX/XXXX at XXXX am XXXX and spoke with XXXX and her supervisor XXXX XXXX who gave me her employee number : XXXX ). I was told that the money had not been verified by XXXX XXXX and the hold would be in place for 10 days. 

On XX/XX/XXXX at XXXX am XXXX, I spoke with XXXX at the XXXX XXXX XXXX and asked to speak with a supervisor because she would not be able to help. XXXX XXXX was the supervisor who came on the line. I asked for his employee number and he told me that they do not have employee numbers. Either he or XXXX intentionally lied to me while I tried to resolve this issue. XXXX informed me that funds have not been verified and no funds were received after four days. Not a likely scenario given the electronic nature of banking. 

XXXX XXXX and/or Bank of America is using the legal deadline of 10 days to profit off of my money. Since the money is in neither my savings account nor the checking account from which the check was written, the banks for nine days are using the money for their own profit. This is unethical, immoral and designed to exploit the under privileged and minorities, who use personal checks to a greater degree. 

Please stop this practice, since in this day with the automation in the banking system there is no valid reason to hold funds for ten days after the funds have been removed from the account from which the check originated. While the ten-day hold is there to ensure funds are available in the originating account, once the funds have been withdrawn from that account there is no need for the extended hold. The only purpose is to enable one or both of the banks to profit off of their clients money. XXXX XXXX has a reputation of abusing their clients. This matches their modus operandi. 

I am asking that the XXXX stop excessive holds banks use to profit on money that is not their own. 

Thank you for your time and effort in this matter.

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 2019-06-27 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: GA

Complaint narrative:
Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XX/XX/2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my Equifax and XXXX XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I opened a business rewards card account for my company in 2012 at the First Citizens Bank branch in XXXX, NC. The purpose of the account was for myself and my employees to pay business expenses and earn rewards. There was a total of nine cards issued in the names of myself and eight of my employees. The total charges have been billed to my company with a master account and were paid promptly each month. The purchases on the cards each month have been substantial since 2012. 

I have received no statements about rewards earned and little information about the account. I recently made a call to the bank 's credit card department to inquire about the total of rewards earned. I was told by that department that only one of my company 's card accounts has earned any rewards at all. The other eight cards have a XXXX rewards balance. I was told that a bank employee had set up the eight accounts incorrectly so as to earn no rewards. I then asked that those accounts be credited with the proper rewards that should have been credited since the inception of the accounts. That request was refused by the bank. I then asked to speak with a manager. I was told that no manager was available and that I should contact the First Citizens branch where the account was opened. I have made three calls to the branch including two voicemails directly to the branch manager. No calls have been returned. 

I have been " stonewalled '' by this First Citizens branch and its manager. My account should have earned several thousand dollars in rewards and there has been no attempt to even discuss the problem or resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Westlake Services, LLC
State: PA

Complaint narrative:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have asked XXXX XXXX numerous times to remove late payments from my credit report. I have never paid late with them. I have tried to dispute the late payments with the credit bureaus and with 3rd party companies and seems to go nowhere? I have talked to them also and the first time I did I told them my situation and told them about my identity theft issues I was going through with my bank and someone stealing my social security and they told me to not worry that the payment I processed that was returned would not show on my credit but it has been years now and it has never been removed and it is hurting my credit score to now be able to buy a home.I do not know what else to do!

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 2019-06-27 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: GA

Complaint narrative:
Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XXXX of 2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my XXXX and Trans union reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation