vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
So on XXXX XXXX I decided to get XXXX  using Apple Card with their finance options, but I had to cancel my order because I changed my mind on the model and I ordered a different model. Initially I paid {$8.00} for expedited shipping and it was charged on my Apple Card XXXX XXXX. I saw the pending charge of {$8.00} and didn't think the pending charge would be on the account longer and it will fall out. It's been 3 months and I have reached out to Apple Card numerous of time and countless hours. I now understand no one is competent to handle my situation and they keep brushing me off, cause they can not find the solution. I have been told different dates that my problem was going to be solved, some said 3 days, some 5, some  10 and some even 90 days. I'm very frustrated as this is not my fault and I have to call them from my time and spend hours going through this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: OH

Complaint narrative:
Placed order at center mass XX/XX/XXXX, XX/XX/XXXX I still had not received my product. I filed a dispute with Chime bank and was told it would take 3 months to get my money back. I have contacted chime multiple times with no reply other than it will take months to resolve.. the company cancelled my purchase at the end of XXXX amd have not received any product or money. Currently out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX Secured Loan- Charged Off {$1200.00} XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted several letters to the credit bureaus and have been ignored for the past 90 days, I have inaccurate information on my credit report and demanded on several occasions that they be taken off. Starting on XX/XX/2020 I disputed inaccuracies with my mailing addresses and names on the account, on XX/XX/2020 I disputed 5 accounts on each reporting bureau and certified the copies and have yet to hear a response, i also enclosed copies of my drivers license, w2 with social and two forms of residency proof and got one letter saying i failed to identify on my address cleanup. I am in the process of certifying another letter with 5 more disputes per bureaus and I am in frustration and am ready to file a law suit against the agencies for the damage of my report. I would appreciate if you can look into this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I sent Equifax proof of the true debt that I owed to XXXX XXXX XXXX ordered by the Court of Magistrate of XXXX Georgia XXXX County I also sent them a copy of the certified check stub from XXXX XXXXXXXX XXXX XXXX and the amount of {$1100.00} which is stated on the court order I've disputed this multiple times the amount that reported by professional debt mediation is incorrect on behalf of XXXX XXXX XXXX I should have been deleted from my credit report because I paid it and have shown proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo notified XXXX XXXX the escrow shortage amount in XX/XX/XXXX. Each year the escrow shortage has been less than {$400.00}. This year the amount is over {$1400.00}. I requested an answer from the institution and they responded with an answer that was not related to the question. I asked how could you project my Mortgage Insurance Premium high for XX/XX/XXXXwhen it decreases each year? They responded with an answer related to my property insurance. This also decreased. I have the statement and emails to show this escrow amount is incorrect. They are trying to load their losses on people who they think do not pay attention. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: GA

Complaint narrative:
I have disputed false allegations of debt to XXXX XXXX XXXX   through XXXX XXXX XXXX XXXX. I was ordered to pay {$1100.00} by the way are County Magistrate Court docket number XXXX   - XXXX XXXX I submitted true of court order dub of Bank stub made out to XXXX XXXX XXXX  for debt credit deletion on my credit report yet XXXX XXXX XXXX has a total extremely higher than what I've paid their client reporting to my credit report which is fictitious based on the court order

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 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have Citi thankyou Preferred master ( credit ) card for couple of years with no single late payment or any other issue. As a very good customer in XX/XX/2020 I requested online and with a representative to increase my credit line and it did not approve it. I have a very good credit score as  well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following Inquiries Viewed By Others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XXXX, XX/XX/2020 and XXXX XXXX, XXXX, XX/XX/2020. I am a victim of identity theft and have a current police report on file with Chex Systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Notice of Error in your letter dated XX/XX/XXXX you failed to provide any documentation to support your response. You claim funds rec 'd XXXX and XX/XX/XXXX were place in unapplied funds as they were insufficient to satisfy the monthly contractual payment. The monthly contractual amount due is {$840.00} how much was due in XXXX how much was due in XXXX? how much was rec 'd in XXXX and XX/XX/XXXX? how much was rec 'd on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX explain each month and how much was due each of those months. Your claiming that 3 payments made for XXXX XXXX and XXXX were not sufficient to make one payment? explain in detail send proof of your statements and supply the documentation that XXXX provided to you to conclude your analysis. Since you always fail to send supportive documents as required by law i'm trying to be as specific as i can so i dont have to request over and over to get any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I REQUESTED A MODIFICATION FOR MY HOME LOAN TO CARRINGTON MORTGAGE SERVICES, I STATED TO REQUEST THIS MODIFICATION ON  XXXX OF XXXX. THE REASON WHY I REQUESTED THIS MODIFICATION WAS BECAUSE OF I HAD FINANCIAL PROBLEMS WITH MY BUSINESS. ON THIS PERIOD OF TIME I MADE SURE I MADE AT LEAST NOT TO HAVE MORE THAN 3 PAYMENT IN A ROLE, SO THAT MY ACCOUNT DID NOT GO TO FORECLOSURE. FOR THE 3 MONTHS THAT I WAS BEHIND I REQUESTED TO SKIPPED UNTIL THE LAST PAYMENTS OF MY MORTGAGE .FINALY THEY PROVIDE ME WITH AN APPROVED LETTER SAY THAT THEY APROVE ME FOR A BALLOON PAYMEN SHALL MEAN A FINAL PAYMENT .THIS  WAS APPROVED IN XX/XX/XXXX JUST WHENT THE PANDEMIC OF COVID BEGAN. I STARTED TO LOOK OUT FOR HELP, AND THEY TOLD ME THAT I DID NOT QUALIFY FOR THE COVID 19 HELP, BECAUSE IT VAS A CONVENTIONAL LOAN, AND THEY SAY I HAD TO APPLY FOR ANOTHER MODIFICATION, I DON'T AGREE WITH THAT BECAUSE OF THE PANDIMIC HAS HAS AFFECTED ME FINANCIALLY AND I HAVE NOT BEEN ABLE TO WORK. IM TRING TO GET HELP AND GET MORE  TIME AND IM WORRIED I DONT ' WANT TO LOOSE MY HOME. I HAVE BEEN SENDING THEM LETTER, AND CALLING ALL THE TIME TO GET HELP AND THEY DON'T HAVE ANY ANWER, THEY ALWAYS TELL I NEED TO WAIT AND SEND SO MANY PAPER WORK OF THE SAME .AND I ALWAYS GET DIFFERENT ANSWERS. THE LAST TIME THEY TOLD ME THEY WHERE NOTE SURE IF THEY ARE GOING TO GIME ME THE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
The issue is this : payments I paid to Amerihome Mortgage Company in escrow to be used for payment of real estate taxes in XXXX are being wrongfully withheld by Amerihome since XX/XX/XXXX, and not used to pay the taxes. 

I have attempted to go through the proper channels and provide Amerihome Mortgage with all the proper documentation and contact information indicated to resolve Amerihome Mortgage not paying my XXXX property taxes in a timely manner. Having originally contacted them about this issue in early XX/XX/XXXX, and launching multiple phone and email inquiries from XX/XX/XXXX through XX/XX/XXXX, I feel I have no other recourse but to file this complaint with the CFPB. The original total due in XXXX, XXXX was {$8100.00}. Amerihome continued failure to pay resulted in added penalties and interest, so now as of XX/XX/XXXX the TOTAL DUE is {$11000.00}, with penalty and interest continuing to accrue. I am afraid that a tax lien will be filed, and my credit report will be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal sent an overdue balance to XXXX XXXX XXXX. I have not used paypal in so long that i can not even remember login information. I never received a bill or any overdue notice of any kind? I never used paypal for any purchases only to send and receive a payment to and from a co-worker last year. I had a XXXX balance and have not used paypal since? Trying to call them is impossible. now this collection agency is threating action on a debt that I have no knowledge or information on. I need to know about this purchase so I can dispute the charge and see who is fraudulently using the account. Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I did not receive any notice of this debt showing on my credit report until I seen my credit drop due to this unrecognized debt occurring on my credit report. I had no prior knowledge I had owed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
We asked, and presumably, received a pandemic forbearance XX/XX/2020. We paid principle and escrow, yet the lender, Caliber Home Loans would not send us performance information. Such what was applying to the loan and what we needed to do. In XXXX, we asked how we needed to catch-up, and received no reply. We lost about {$10000.00} of income because the COVID 19. We began to make larger payments then received an offer for a loan to cover the arrears. This loan, by the way, was a similar amount to excessive escrow we'd accumulated with our previous lender. Escrow we've asked about since it was part of a Lender Credit in the new loan. Now, the lender Caliber Home Loans has placed us in collections. We've called, forty minutes one day, twenty-five another on hold telling us of unusual wait times. Now we can not access our account saying we can NO longer make payment over the phone, etc. Our bank records show all the money we've sent has been cashed, etc. A payment of {$800.00} was recently sent and may not have reached their remote processing center.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
The company offers a buyout option which I attempted to utilized. I contacted the support hotline to attempt to exercise this option, but the company purposely delayed the response in order to charge me almost 4 times what I paid for this merchandise. I've already made payments on this merchandise which is 2x what I paid. This company is using fraudulent practices to defraud consumers. The company has been retrying the payment over and over which has caused me more than {$350.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: GA

Complaint narrative:
I disputed an account against XXXX XXXX XXXX and their clients XXXX XXXX XXXX to TransUnion because the amount on my credit report is fictitious I was only ordered to pay {$1100.00} XXXX County Magistrate Court to XXXX XXXX XXXX I'm the docket number 2018 - XXXX XXXX I paid the amount directly to the original creditor XXXX XXXX XXXX with the understanding and agreement that they would have my debt deleted from my credit report or removed the amount that showing on my credit report is not accurate as well it is 4 times higher than what the court ordered me to pay and is hurting my credit Report

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 2020-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.

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