vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NV

Complaint narrative:
Please see complaint XXXX. 

XXXX XXXX reported collection owed to the credit reporting agencies for myself and my wife, XXXX XXXX XXXX, even after we previously complained that their collection is without merit or evidence. 

As stated in the prior complaint. There was no evidence of smoking and receipts were provided for cleaning. Again the home was left in better condition than it was given to us. We have photographic evidence and yet XXXX XXXX ignored the evidence through their " resolution '' system. They also ignored the previous complain and went forward and ruined our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of XXXX XXXX XXXX XXXX XXXX. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2021-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
We bought our home with a VA backed loan on XXXX XX/XX/XXXX. We were later notified that the new loan servicer would be Amerihome Mortgage Company. 
We have always paid as agreed. 
When we applied for our homestead exemption in the County where we live, we were told that since the home did not previously have a homestead exemption filed, we would be charged the regular ( non-homestead ) amount for taxes this year, and the benefit of the homestead exemption would begin in XX/XX/XXXX ( a 50 % reduction in the tax amount ). 
When the taxes were paid by the servicer, on XXXX XX/XX/XXXX we realized that they had calculated the escrow amount to withdraw based on the expected tax with a homestead exemption and not the actual. This resulted in an escrow advance of {$230.00}. We called the servicer and explained what we saw and they said the servicer would be performing an escrow analysis in XX/XX/XXXX and they needed to see a certain balance ( I believe it was {$1600.00} ) in the escrow account or the payment would increase. 
We calculated the amount the servicer would need to have a sufficient amount for the insurance payment including the two month cushion as allowed by law and submitted that payment on XXXX XX/XX/XXXX ( as an escrow payment ) That amount was {$1700.00}, and set the amount in escrow sufficient to pay the upcoming insurance in XX/XX/XXXX. 
The homeowner 's insurance was paid by the servicer on XXXX XX/XX/XXXX, and there were still sufficient funds remaining to pay the normal tax that would be due in XX/XX/XXXX. 
We then received an escrow analysis which increased our payment from {$1400.00} to {$1600.00} for XX/XX/XXXX. That escrow analysis now used the higher amount for taxes in their calculation ( 50 % higher ), and were coming up with an incorrect escrow payment.

We have attempted to contact the company numerous times via secure messaging and submitted the tax notice from the County as instructed by some of their automated return messages. No one from the company will contact us, and we called last week XXXX XX/XX/XXXX, but the person on the phone just said someone would contact us, and acknowledged that someone should have returned a message. 
Now the payment has increased to {$1600.00} without any explanation as to why this occurred. We have tried to be patient, but at this point we need a mediator or dispute resolution help as this company does not wish to communicate with us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CORELOGIC INC
State: PA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX  VIA CREDCODS  add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hello, On XX/XX/2020, My TD Bank accounts were hacked and drained. It started with a call from the TD Bank fraud alert number calling me. I verified the number and was ( what I thought ) assisted by a fraud employee. After following what the fraud employee told me to do, ALL MY MONEY WAS STOLEN!!!! To make it even worse, I went to my local branch in tears. They filed a complaint for me, I went to the police dept. and filed a complaint as directed. Pictures of my phone were taken and verified it WAS TD Banks number. The bank found ME at fault. I refiled the complaint per my XXXX, Ma Branches direction. I again was found at fault. TD Banks response was that I agreed to the hackers requests. I stated that IT WAS TD BANK THAT I WAS ON THE PHONE WITH. Td BANKS RESPONSE : But it was a phishing call!!!! Sorry there is nothing we can do. HOW WAS I SUPPOSE TO KNOW THAT???? 
I have been with the bank since they opened. Nothing they can do to help me???? I am floored and very disappointed with the response and assistance I have received. I am a XXXX and I work 2 jobs and place everything I work for in the hands of TD Bank for what??? 2 WEEKS BEFORE XXXX, I LOST EVERYTHING I WORK FOR. They again told me today per the Leadership team, that I agreed to the withdrawals. I again explained that the calls were from TD Bank. XXXX ( Bank rep ) stated that TD Bank would not have called me like that. I do not know where else to turn. 
Please help. 
Thank you for your consideration in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The first discrepancy as of XX/XX/XXXX, my XXXX  and XXXX  report that my High Limit is {$17000.00}. My XXXX  reports my High Limit as {$13000.00} how can I have two different original owed amounts on a car? The second discrepancy is that XXXX  says my account was opened on XX/XX/XXXX, and XXXX  and XXXX  says my account was opened on XX/XX/XXXX, again how is this possible for two different account open dates. The third discrepancy is that XXXX has no report data for the last two years of my credit report, XXXX has 33 charge offs, and XXXX  says that I've made payments on time which is a false statement on their part if that is so they either need to show proof but I know they can't because I never paid anything or they need to delete this account off my report for false verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: MI

Complaint narrative:
writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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 2021-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, I was looking through my banking account and saw that two unauthorized transactions had occurred. Both transactions were conducted on XXXX  in the amounts of {$330.00} and {$390.00} and were recorded on XX/XX/2021. I immediately reached out to the Bank of America fraud department to dispute the claims. The charges were credited back to my account as they initiated an investigation. On XX/XX/2021, I received a letter from Bank of America and they denied my claim in total, yet I only received a breakdown of the {$330.00} and not the {$390.00} charge. Their reasoning was that XXXX XXXX provided documentation that proved the transaction was valid. The documentation provided was a online order using my name, address, and phone number but listed a email address that is not mine. It appears that someone gained access to my account and made unauthorized purchases and then picked them up at a XXXX XXXX. I called Bank of America again to dispute these charges and was told that they appear valid. I also made a complaint about only receiving partial documentation from them. Someone used my identity and money to make these purchases. I was told I need to mail in a signed statement to reopen the claim but they will take the money they originally credited me back. So now I have to wait on a physical letter to be mailed to them. This is ridiculous and unfair to me. I have been with this bank for 15 years and will be looking to take my banking elsewhere when this is over. 

I have filed a police report with the XXXX XXXX Sheriff 's Department on this matter and the report number is : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I filled bankruptcy and the judge declaired my student loans be discharged. Navient keeps adding back to my report after disputing and removing it. They are also changing to XXXX XXXX to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: College Assist
State: OH

Complaint narrative:
I filled bankruptcy and the judge declaired my student loans be discharged. XXXX keeps adding back to my report after disputing and removing it. They are also changing to college assist to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.

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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. - I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in mid-XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. - I have tried to discuss with them since midXXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. - I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made three wire transfer with two different Bank. My first bank transfer was with XXXX XXXX, and my second & third transfer was with TransferWise. - Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. - I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. - Warmest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover credit card account ( ending # XXXX ) was actively used and had a {$0.00} balance. Despite such status, the account was closed. Upon information and belief, the account was closed in violation of the Equal Credit Opportunity Act for discriminatory purposes. A class action lawsuit is being considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. 
- I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. 
- I have tried to discuss with them since mid-XXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. 
- I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made XXXXhree wire transfer with two different Bank. My first bank transfer was with TD Bank, and my second & third transfer was with XXXX. 
- Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. 
- I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. 
- Warmest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: GA

Complaint narrative:
On XXXX I closed on a refinance of my mortgage with Finance of America Mortgage Company. My mortgage was assigned to a company called XXXX XXXX for servicing. 

Problem : The amount that XXXX XXXX deducts from my monthly mortgage payment is XXXX ( {$3600.00} annually ). On XXXX I received a letter from the XXXX County Tax Commissioner 's office that my homeowner 's taxes would be reduced from {$3600.00} to {$1200.00}. Based upon this reduction, the amount that XXXX XXXX should be deducting from my monthly mortgage payment should be approximately {$100.00} per month as opposed to {$300.00} per month. 

I have contacted XXXX XXXX on 3 occassions via their website and via phone regarding this situation. I submitted the attached documentation provided to me from the XXXX County Tax Commissioner 's office, however Loan Care has not made the correction, instead, I received the attached document from them called Annual Escrow Account Disclosure Statement dated XXXX which indicated that the correction was not made. 

Today I looked at my account on the XXXX website. The escrow and insurance page reflects that my escrow amount is now {$1200.00} annually. However the on the Payment Information page it reflects that my the escrow tax amount deducted from my monthly mortgage payment is still XXXX ( {$3600.00} annually ). This is an obvious discrepancy and XXXX XXXX is still deducting the wrong amount from my mortgage payment and is charging me the wrong amount for my mortgage payment. 

I would like my escrown payment to be corrected, my mortgage payment amount to be adjusted accordingly and XXXX XXXX to send me any overage that I am due. 

Thank You

Company response to consumer: Closed with explanation