vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I called Amerihome/XXXX  XX/XX/XXXX to inquire what they needed for proof of paying my Property taxes, {$7100.00}. I sent them a copy of the statement from the county, the tax receipt, and copy of my check, which cleared the bank on XX/XX/XXXX. 
I received an email from Amerihome on XX/XX/XXXX stating they made the payment on XX/XX/XXXX. 
I called them on XX/XX/XXXX, confirming what I sent was received and my account noted that I was paying my property taxes. They gave me no reason why they paid it when there are clear notes that I had already paid it. 
So, they sent me a statement for the XXXX mortgage payment of {$2600.00}, they added the Property taxes ton my payment! My normal payment is {$1600.00}. I made it very clear to them that I would only pay my regular mortgage payment. 
I spoke to someone at the mortgage company on XX/XX/XXXX stating that she saw the work order seeking the refund from the county. They are waiting for the refund, and my escrow account is in a negative status. Well, that's due to Amerihome not reading the account notes before making payments! 
I made it clear that I would only be paying my regular payment, and no penalties are to be associated to my account. They also said I couldn't get an escrow waiver until they receive the refund. 
As of today, XX/XX/XXXX, it still hasn't been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have several items on my report with Transunion that can not be disputed because their site doesn't function properly. I've had them cleared by XXXX   but TU is completely ignoring the complaints that their site isn't working. I've paid XXXX XXXX XXXX the full ( listed as Professional Finance ) {$140.00} and XXXX XXXX ( listed as XXXX  XXXX  ) {$130.00}. I closed my XXXX XXXX card myself and never was late ever. But I can't get any of it corrected.

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 2020-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
My second complaint is for CommonWealth Financial, who has a medical collection on my credit report for {$110.00} at XXXX XXXX XXXX XXXX from XX/XX/XXXX. Ive had a primary  doctor since around XXXX of XXXX, theres no reason at all for me to go to the ER. I have no idea how or whos going to these places using my information. But the debt is not mine and should be remove from my reports, all 3 credit bureaus. Ive disputed this account with XXXX  which the company agreed to delete the inaccurate fraudulent unverifiable collection. Yet the company continues to report to XXXX  & XXXX  while knowing the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: VA

Complaint narrative:
on XXXX XXXX i obtained this loan to which i believed was a 3 year personal loan and is illegal in the state of VA , this company is not licensed in this state at 281 % interest which is a payday loan not personal loan the total payoff is XXXX for a 12 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: NJ

Complaint narrative:
XX/XX/19 -Disputed incorrect data on my accounts with equifax , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX account XXXX doesn't belong to me XXXX XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX keeps sending me my set of files that are old and outdated when they denied my complaint. These are dated back to XX/XX/2019 and the files of XXXX XXXX  appear to be in total disarray. I am attaching a letter dated XX/XX/2019 that refers to the {$1700.00} charge dispute from XXXX XXXX XXXX  XXXX  XXXX that is FRAUDULENT. 
Later I received a letter from XXXX dated XX/XX/2019 that I also let my spouse read that stated my account would be credited in 10 business days based on the new information I had submitted to them. I kept faxing them that week the deadline was drawing near ( The XXXX Fraud Department ), and did not hear back from them after the 10 business days passed. Capital One took over the XXXX XXXX / Walmart accounts and there was about a 3-day blackout where I could not get my balance to see if it was correct. The first day I could log back in I could see the credit was missing and called Capital One. It took almost an hour but the XXXX XXXX  Fraud Department was contacted and Capital One was told they needed 5 additional business days to apply the credit due to the transfer of accounts. When they time frame passed, again nothing was done and the Fraud Department told us that they were no longer servicing any of the old Walmart accounts. This is poor business practice at its best and even worse customer service. XXXX XXXX  was not following though on their promised and were sending outdated and incorrect information to the Consumer Financial Protection Board. I wonder if the Comptroller of the Currency and the FDIC if you are a federal bank of the State Financial Board if you are not are going to be as tolerant as I have been through this process. You are sending false information to a federal banking regulatory agency and it will be noted in the files.I would like to receive a FULL report on my case and all the paperwork ( not just the old paperwork you keep referring to ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have been attempting to modify my home loan for 1 year and I have been unsuccessful. I need assistance with the options I have to assist me so that I won't lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank account, I was XXXX and we were opening an adult account. The guy didn't mention anything about the age requirement and he knew I wasn't XXXX because I came with my mother to open the account and we both mentioned my age countless times. We put in {$3100.00}. 
After opening the account a week in I start to set up a XXXX, XXXX, and XXXX XXXX   account. Then on XX/XX/XXXX, I get a letter from Citibank saying that my account is closing due to suspicious activity and I will be receiving a check in at most 2 weeks. I called the number in the letter and they kept saying they didn't know what the problem was nothing was showing up and that I need to go into a branch to get the information I need or I wait for the check. So I wait every day checking the mail to see if the check arrived, 2 weeks pass, no check, I give them a week because I'm nice, that week passes still no check. I call the fraud department and they tell me to go into a Citibank and get help there. I do that and this very sweet lady helps me and basically says that I should go to the branch where I opened the account or call the number again and ask them to resend my check. I call them they resend my check, I wait for the check, no check, I call them again, verify all my information, the check is resent, I wait for the check still no check. I call in for the fourth time, all the information is still correct, the check is resent and I wait and to no one 's surprise, there's no check. I try for the 5th time and i said if this doesn't work I'm going to the branch where I opened the account. Next thing I know it XX/XX/XXXX, I'm XXXX and I'm at a Citibank with my mom and are talking to a woman who apologizes and says she can't really help and that we have to call the fraud department. Which brings us to 3 weeks ago, when I called the fraud department and they had told me that a check was never ever sent out to me and that a check will be sent to me and I'll receive a check in the mail in about 2 weeks, it's almost XX/XX/XXXX and I still don't have my {$3100.00} that I've been waiting for almost a year for. I have been kind and patient and calm, but after waiting for almost a year this whole thing is really frustrating me.

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 2020-01-26 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: FACTUAL DATA CORP.
State: IL

Complaint narrative:
1 : XXXX submitted a hard inquiry on my credit reports, without my permission to do a hard inquiry. 
2 : Factual Data. I instructed the lender that I don't want a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
To Whom May it Concern ; In the following date, XX/XX/XXXX, the following vehicle ; XXXX XXXX, BIN Number, ( XXXX ) XXXX, XXXX  color was purchased at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. This vehicle already has a 5 warranty or 60 miles which occur first by the manufacture company. The owner already has copies of the warranty paper work. The problem or complain is that the dealership which sold the vehicle to Mr. XXXX XXXX with a added warranty that was not necessary to the vehicle. Mr. XXXX XXXX noticed that this insurance is not need it for this car knowing that the vehicle already has a manufacture warranty.

Customer, Mr. XXXX XXXX reported that this unnecessary insurance of {$3000.00} that need it to be removed. The dealership XXXX XXXX has not yet removed and credit this funds back to Mr. XXXX XXXX account. Can you please make contact with the dealership to REMOVE and credit unnecessary added warranty of {$3000.00} back to Mr. XXXX XXXX account. Also, a charge of {$500.00} GAP was also added, this GAP of {$500.00} need to be credited back to Mr. XXXX XXXX account. 

The following names were involved with the sale of the vehicle on XX/XX/XXXX, Mr. XXXX XXXX, and XXXX, XXXX. The dealership finance manager is Mrs. XXXX XXXX. During the conversation, we spoke that the funds of {$3000.00} plus GAP of {$500.00} was suppose to be return or credit back to Mr. XXXX XXXX on a formal cashier check, and remove the extended warranty from this account. This situation never was exercised by the XXXX XXXX XXXX. Do please conduct an investigation as the earliest convenient as possible due to I got really tired of battle with it. A payment of {$4400.00} has to be XX/XX/XXXX to Exeter Finance Corp . The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX XXXX   phone number is XXXX. 

Respectfully ; XXXX, XXXX XXXX : ( XXXX ) XXXX / XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone impersonating TD bank guided me through a process that resulted in me having {$1000.00} deducted from my checking account. I immediately contacted TD bank while the transaction was listed as pending and they said they couldn't do anything about it until after it posted. Once it posted, they then told me that I could dispute the transaction. They then denied the dispute. 
If they were going to deny the dispute, why didn't they just tell me this in the first place instead of making me waste an extensive amount of time and energy beyond the {$1000.00} they already gave away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: NJ

Complaint narrative:
Hello, Recenty, I submitted a third written request to TransUnion to dispute several items that could not be verified on my credit reports. The letters were notarized and sent to several of their PO Box addresses registered for their company on XX/XX/XXXX. Not only were the errors not fixed ; but I wasn't even given the courtesy of a response as legally mandated by the FDCPA. I have not received any correspondence from them whatsoever from any of the four letters that were sent on this day.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports.

I have listed the accounts from the original letter in an attachment to this complaint. To not hear anything back in two months is a blatant violation and has begun to cost me financially based on my credit worthiness being negatively impacted. I also have included results from another credit bureaus investigation for some of the accounts which resulted in XXXX  deleting those accounts.

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 2020-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
We purchased/closed on a newly built home in XX/XX/XXXX. Our monthly payment was {$2200.00} on XX/XX/XXXX. Cornerstone Home Lending notified me in XX/XX/XXXX of a second county they disbursed taxes to ( that they were surprised by ) and that my escrow was now deficient by {$3600.00} and my monthly payment would go up to {$2800.00}. I immediately paid the second county tax in the amount of {$3600.00} on XX/XX/XXXX ( towards escrow - to catch up ). Then Cornerstone notified me in XX/XX/XXXX that my escrow was still deficient by {$1800.00}. I asked what the basis for the {$1800.00} and was told it was taxes. What - why wasn't this brought up previously? I was also told that my XX/XX/XXXX payment was now to be {$3100.00}. Several questions come to mind. How can a mortgage company whose job it is to know how best to estimate escrow not even know that my property involves two counties to pay tax to? How can a mortgage company not have payment and escrow history available to the phone rep for XX/XX/XXXXwhen I call in to understand how my monthly payment can increase by {$810.00} over about 12 months? How can I close on a home in XX/XX/XXXX without taxes having been paid to both counties and that be the responsibility of the mortgage company to factor in when establishing my escrow for XX/XX/XXXX? How can the mortgage company not explain why in XX/XX/XXXX the total tax shortage was {$3600.00} and then 15 days later say it's an additional {$1800.00} that I owe escrow? How can I be presented at closing with a mortgage payment of {$2200.00} and then within about 19 months be paying {$810.00} more a month? I am not challenging the tax amount. I questioning how the mortgage company can present a monthly payment that is so off the mark from the end of XX/XX/XXXX to the beginning of XX/XX/XXXX. It's not that the taxes increased it's that the mortgage company didn't even account for all the taxes to begin with! So frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me. 
XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts creditone account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX  duplicate accounts XXXX XXXX   incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data

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 2020-01-26 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: NJ

Complaint narrative:
XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me.

XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX  account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX  incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I received an XXXX credit card in the mail that I didnt apply for. I have called more than 7 times to this company and spoke with the supervisor XXXX on several occasions beginning on XX/XX/XXXX. My last call was made on my birthday XX/XX/XXXX when I discovered this card was being reported to the credit bureaus as late. I requested confirmation in writing that this account was being investigated for fraud and XXXX hung up the call on me. I called back and spoke with XXXX who XXXX also directed to disconnect the call. I have sent a letter from my XXXX XXXX identify theft account and still have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Please re-open case # XXXX. Despite a letter I have received from a XXXX XXXX XXXX from Citi bank stating the funds of {$18000.00} and {$23.00} had been mailed to the current address on record I still have not received any money from Citi Bank. According to the letter from Citi Bank the funds were mailed to my previous apartment address on the date of XX/XX/2019. I had access to this apartment address up until the date of XX/XX/2019 and can confirm that no checks addressed to me for these amounts were present in that mailbox on or before that date. On XX/XX/2019 I updated my address to reflect my current home in XXXX, Missouri. Around the date of XX/XX/XXXX, I received a paper copy of the letter from XXXX XXXX XXXX in my mailbox at my current home address. On XX/XX/2019 I called CitiBank again to inform them I never received the checks containing the funds within my closed savings account. The representatives on the phone continuously stated I must not have received the funds because I no longer live at the apartment address. However, they had no explanation in regards to the fact that I still had access to the apartment mailbox up until XX/XX/XXXX and never saw the checks in the mailbox. Whenever I requested a second check was mailed to me I would be placed on hold and transferred to another department. My final conversation was with a representative named XXXX. She had stated that she would be unable to send me a second check despite having the information to show the previous checks had never been cashed. She stated she would need permission from " someone else '' and to call back in 5-7 business days. It has been since XX/XX/XXXX, of 2019 that Citi bank had froze my savings account and has been holding on to over {$18000.00} of my personal finances without my consent. I am absolutely astounded and at a loss as to what do. It is unbelievable that a very large, professional, banking corporation can hold any amount of an individuals finances without there express consent for nearly half a year. Please provide any assistance possible to enable me to obtain these finances.

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 2020-01-26 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: NJ

Complaint narrative:
the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and inquiries

Company response to consumer: Closed with explanation