vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted AmeriHome mortgage company inquiring about a mortgage balance, payoff balance and wiring/ routing instructions. I was given all the information. 
On XX/XX/XXXX Funds were wired from my XXXX XXXX account per the wiring instructions I was given to the loan sub servicer XX/XX/XXXX XXXX in the amount of {$55000.00} ON XX/XX/XXXX I checked my account with AmeriHome and my payment had not been posted. I called AmeriHome and was told they could not find the wire and to wait another day for it to post. 
On XX/XX/XXXX the funds still had not posted. I then called AmeriHome again and was told they were looking into the issue as to send them proof of the wire via email or fax and I did both On XX/XX/XXXX the funds had not posted and I called AmeriHome again and was told it may take 5 days or so to post and that they did receive the wire receipt that included the tracking number. 
On XX/XX/XXXX I decided to call XX/XX/XXXX direct and was basically rerouted back to AmeriHome. It appears all inquires are routed to the same call center. 
On XX/XX/XXXX I received an email on AmeriHome, s website portal that they received my proof of wire and I should hear back from them in 15 days. This is unacceptable as this is a large sum of money that they cant find or just refuse to post. Now I will have to make another mortgage payment in order to stay current. 
On XX/XX/XXXX I called AmeriHome again and spoke with employee ID number XX/XX/XXXX. She acknowledged my concern put me hold hold and then told me that it may take up to 20 days. I asked to speak with the supervisor, told her I wanted the wire traced and funds posted immediately. Supervisor ID XXXX said she emailed accounting and I should hear back by XX/XX/XXXX It is completely insane for a customer to go through this process. With the receipt in hand it should take no more than 2 days to post my credit. Hours on hold, dropped calls while on hold etc., over XXXX that they refuse to locate. 
The XX/XX/XXXX has REVOKED XX/XX/XXXXaccreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been unable to file a dispute with Equifax on their website. I will attach the image showing the error. I am currently on a phone call with Equifax and the representative told me to file the dispute online. I explained to him that I was unable to but he just kept repeating himself over and over and I asked to speak to a supervisor and he just put me on hold for 15 minutes and the line ended the call. ( XXXX XX/XX/21 14 minutes total call ) Phone call 2 - Asked first rep to transfer me to a supervisor right at the start. 6 minutes after 2nd phone call transferred to another rep and asked to speak to a supervisor again. I asked the representative for his name and he said he's not allowed to. The supervisor I'm speaking XXXX XXXX informed me they are required to provide a name and reference number. So employees working for Equifax are clearly not following the rules and I do not feel safe with my personal information. I continued the dispute with the supervisor XXXX is the dispute reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have reason to believe that Marcus by Goldman Sachs is engaging in predatory lending. The reason for my beliefs is that I recieved a loan from them a couple of years ago. At the time they gave me the loan they did not tell me that they were going to charge me an outrageous amount for the interest. I have paid over {$5800.00} on a XXXX loan and I still owe them XXXX. I have communicate to them that I am having diffuculties making the payment they want of XXXX a month and instead been paying XXXX a month. The have retaliated by damaging my credit to the point of my credit being unfavorable. Can you please assist me with getting them to lower the interest on my loan and allowing me to pay XXXX month due to the pandemic. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
All 6 student loans accounts on XXXX is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. XX/XX/XXXX reporting XXXX '' on all 6 Dept Of ED/NAVIENT Accounts, which is very inconsistent from XX/XX/XXXX Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on XXXX reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Approximately 60 days ago I contacted Citibank after I made my payment of {$100.00} and later saw they added a annual fee of {$99.00} which put me over my limit. I asked if they could wave the fee because, due to COVID19 I was having financial difficulties. They told me they couldn't do that but if I called back in 30 days they could work with me and they reversed my payment of {$100.00}. After 30 days I called them again, as they told me to, and was told they couldn't help me until I was 60 days late and to call back then. I did as told and now they are advising me to make a payment I can't make to get in good standing or they will cancel my card. They also reported my account to the credit bureaus. I am beyond upset as I have followed their instructions thinking I would be able to arrange an affordable resolution without ruining my credit. 



I followed their instructions. I believed they would work with me. They lied.

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 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a TD Beyond checking account to secure the advertised promotion of {$300.00} they were offering. I did everything correctly but did not receive the bonus. They claim I received a bonus in the past but it was not in the preceding 12 months like their terms state. Their terms say, " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I did not have an existing account and I completed all required qualifying criteria. The terms CLEARLY state in order to be available for this promotion, you can not have had an account in the previous 12 months. My previous account was closed on XX/XX/XXXX. I am not the greatest mathematician in the world but between account closing on XX/XX/XXXX and opening account on XX/XX/XXXX is more than 12 months. Bottom line : I did not have an existing account, I did not have an account in the previous 12 months, and I completed all requirements. I was clearly a new personal checking customer! I would like someone from TD Bank to explain how I am excluded from this promotion. Simply saying that I've had an account in the past will definitely not suffice as the terms unmistakably state the preceding 12 months. I have attached a copy of the terms for your viewing pleasure ( I even highlighted it for you ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
An unauthorized transaction in the amount of {$6600.00} was made and 3 other thereafter totaling {$7000.00} more or less I emailed the fraud department and mentioned my account was being robbed right now and now today I'm still waiting for a credit for the money taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have Filed a dispute in regards to incorrect items on my XX/XX/XXXX credit Report. it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Last year, I wanted to remove PMI, so after contacting my mortgage provider, PNC, and letting them know I intended to do so, I ordered an appraisal through them. They sent me my new home value, and I sent them the $ XXXX necessary to recast the loan after confirming with them that the PMI would be removed. 

This year, I was going through my statements and realised my PMI was never removed! Contacted PNC and they said my home value had not changed. It took months of calls and emails for them to realise they had the new appraisal, but for some reason the new home value was never applied to my account and is now too old to be applied. 

I've been ripped off around $ XXXX so far I believe, and although after some months they connected me with an internal contact who is supposedly trying to help me sort this out, he has been " working on it '' for months already with no solution. They claim that it was my fault for not sending my $ XXXX to a particular department address, but I'm unclear on what that has to do with them forgetting the new value of my home and charging me PMI after the new appraisal. 

They also neglected to make clear that I needed to send any payments to any particular address in their correspondence with me, stating " The best way to make sure your principal payment is applied to the principal, please mail in the payment. '' If they were trying to tell me the ONLY way to do this successfully was to mail it to that address, then they failed to tell me that by using the words " the best way '' or " please mail in the payment ''. They were misleading but maintain that they did nothing wrong by forgetting to apply the appraised value to my home, saying that their departments do not communicate with each other and just because one department knew my home value had been updated did not mean it would apply to my mortgage. That is simply ludicrous It was impossible for me to know which department I was even speaking with as I used the standard customer service messaging centre!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11.XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 7. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XX/XX/XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10.XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXXXX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-01-09 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX  XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
XX/XX/2021. {$220.00} wrote a check for groceries at local XXXX the check # XXXX XXXX declined Contacted CERTEGY they could give No reason why

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax is continuing to show irresponsibility with handling private consumer information. I had to freeze my credit with all credit agencies due to the security breach at equifax. Last summer, I temporarily lifted the freeze, with an end date of XX/XX/XXXX. Today, XX/XX/XXXX, I went in to my account to again lift the freeze and the system said the lift was still active with end date of XX/XX/XXXX. I placed the new temporary freeze lift, which replaced the old one, but I assume my credit was left vulnerable all this time. I want Equifax shut down or I want a way to permanently delete my files from their records. They can not be trusted with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX the XXXX  Fire started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted Citi Cards to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.

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 2021-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my XXXX  credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation