vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WA

Complaint narrative:
On XX/XX/2018 I took a mortgage in the amount of {$660000.00} to buy a house in XXXX. The mortgage has been serviced by AmeriHome Mortgage, with loan number XXXX. 

On XX/XX/2018 I made a special payment ( in addition to the regular monthly payment ) of {$38000.00}. 

My intention and understanding when making that payment was to apply the entire amount toward principal reduction. 

I later found out that instead of used for principal reduction, AmeriHome processed it as nine monthly payments. That meant that the principal amount of those payments was applied immediately ; the escrow amount was added to the escrow account ; and the interest amount ( which is most of that amount ) was held by AmeriHome.

Even though it processed it as nine monthly payments, AmeriHome continued to draft the monthly payments from my bank accounts. 

That raises the question : what happens to the interest portion of the payment I made? I do not want AmeriHome to hold these funds ( apparently indefinitely since they kept drafting the monthly payments ) while I earn no interest on them. 

I contacted AmeriHome and repeatedly asked what happens with those funds, but never got a clear answer ( see attached correspondence ). 

In addition, on XX/XX/2018 XXXX XXXX XXXX, a AmeriHome representative, wrote to me in response to my inquiries that " If there are any additional funds in your escrow account when it is analyzed, a surplus check will be released and mailed to you. '' However, on XX/XX/2018 a county tax disbursement was made from the escrow account in the amount of {$2400.00}, leaving a balance of {$11000.00} in the escrow account ; however no surplus check was released to me. 

After some back and forth, on XX/XX/2018, I requested that the payment be reversed and applied to principal ; this is exact language of my request : " On XX/XX/2018 I made an online payment of {$38000.00}. 
Of that amount, {$7900.00} was applied to principal, {$22000.00} to interest, and {$7400.00} to escrow. 
I would like the entire amount to go towards principal therefore, can you please apply additional {$30000.00} ( this is the combined amount applied towards interest and escrow ) to principal, effective XX/XX/2018. '' On XX/XX/2018 I received a reply from XXXX XXXX, an AmeriHome representative, saying : " Please be advised that we have submitted a request to have these funds reversed and applied to your principal per your request. Please allow 3-4 business days for this adjustment to be completed. '' That never happened. 

On XX/XX/2018 I contacted AmeriHome again to ask why my request was not processed as promised ; I received no explanation, except stating that my payment was applied as nine monthly payments ; and that for further questions I should contact XXXX  XXXX XXXX. 

I request that this issue be taken care of before transferring loan servicing to XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This is a collections account showing up on my credit report and I did not apply for a payday loan from this company. It said that a loan was opened on XX/XX/2018 for {$860.00}, and I believe this may be the result of my sensitive information being breached from XXXX by hackers, who may have applied for a payday loan in my name. I have also gotten notice that my SSN has shown up on the dark web. This is not my account and therefore I would like it removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
They then sent me a notice to reduce the debt I didn.t answer them and they have harassed me and the fact they don.t have the oringinal debt because it came from another debt collector that goes back to XXXX XXXX XXXX who the debt is owed to and the fact I paid XXXX  XXXX XXXX XXXX Dollars they don.t mention that at all.The collection agency that tried to get this debt Three years ago was XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, NY XXXX Phone Number is XXXX There is a federal law about trying to collect a cell phone debt they have two years to get it and then they can.t collect it so the company in mention are in fact breaking the law you need to step in on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Over the past several months I have requested that Equifax provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Equifax updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Equifax will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Equifax unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is equifax misbehaving illegally and must act to remove a claim of aimed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull 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 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am showing on my credit report that an account was opened up on XX/XX/2018 for XXXX XXXX that I owe {$370.00}. I did not open any account on XX/XX/2018 and I need to have this removed from my credit report. I believe this is yet another account that may have been opened fraudulently due to identity theft because my information was expose in a data breach from 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 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018, I was scammed of {$400.00} by a lady and a man at an atm. They used a fake check. I noticed almost immediately and followed them and was able to get the mans ID and phone number. I called the police and I have a police report. I gave the police report to the bank because the fake check bounced back and I was left with - {$430.00}, the {$35.00} was the overdraft fee because I did not have that money in my checking account when they scammed me. Bank of America closed my accounts and i had to pay myself the - {$430.00}, I did pay because I understand that it was my mistake to believe these people. Now I'm left with a bad consumer report and I can't open another checking account with any bank, I understand my mistake but I have paid off the money I owed and I have a police report as well. This will not happen again, I just need to be able to remove this bad report on 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 2018-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
I purchased a vehicle 3 years ago. As of recently I've made every payment on time. About a year ago I went through a separation from my children 's mother. For custody reasons she has gone out of her way to destroy my credit and career, in order to win custody of our children. She has cost me 2 jobs, by showing up and harassing me. I have evidence of this. She has opened 3 accounts in my name. If have no problem paying these if I could maintain a job. My vehicle was intentionally damaged. Sugar was poured into the gas tank. It caused over {$2000.00} in damage. She disputed 3 payments made through an account that she had used to pay with. She was listed as on the vehicle account as a driver, and on the auto insurance, which she also disputed 2 payments. After which she reported to the auto finance company the location of my vehicle and said to repo it. Then bragged about lying and what she had done one social media. I've since made the repairs using what saved money I have. I'm having troubles catching the vehicle up in order to use it as transportation to an from work. I'm a XXXX   XXXX, and can make money with or with out a job. It's just she to the personal attacks from this individual I'm currently in a circle of dept that has locked my ability to grasp how and what to do to overcome it. I need advise or help. Recently I made {$800.00} in payments to get the vehicle under 90 days past due. Toyota told me they would give me options after I did that, and vehicle would be taken out of repo status. They denyed my request to move the past due amount to the back of the dept like they agreed. Then sent a repo agent to claim the vehicle. I denyed then the vehicle. And will continue to do so. I've worked hard to buy, keep, maintain, and repair my vehicle. I'm still behind exactly what was disputed. I'm only weeks from fully financially collapsing and losing my home and everything. I've exhausted all my resources to stay afloat. This is my first attempt to ask for help. I need options. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: TX

Complaint narrative:
Equifax allowed Fraudulent credit accounts to be opened in my name without authorization and these accounts were opened online, only after my wallet was stolen. Not only did the thief 's forward my address but they also hacked my email address and used my information for their own gain. I submitted an FTC Law Enforcement Identity Theft affidavit to Equifax 2 months ago clearly stating the crime. Equifax blocked the fraudulent account 's due to the FCRA 605 ( B ) Law that requires accounts that have been created or established as a result of identity theft be blocked. Equifax later recsidended the block on some of these accounts without providing any documentation. These accounts are still fraudulent and I did not receive any information from these instituions on these accounts and I have attempted to contact them over 6 times now. First of all the two Accounts for XXXX XXXX XXXX XXXX XXXX which include a Line of Credit and an Auto Loan, are Fraudulent. I did not authorize these accounts, these were not signed by me and I never signed any information on these accounts. I do not have access to these accounts and Equifax has been notified as these accounts were listed on my FTC affidavit. Additionally, Without providing any clear explicit information, I did not authorize Equifax to rescend any blocks these accounts are still identity theft and I was never provided with any documentation on these accounts from Equifax no XXXX XXXX. Please follow the FCRA 605 ( B ) Law as I have clearly and precisely described the crime, and provided documentation. In addition the XXXX XXXX Credit Card is also fraudulent which was also listed on the Affidavit. You rescidend the block on this too without providing any information, documentation or even advising me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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:
I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : 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 non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is a fraudulent debt collection. I do not authorize this. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a fire at my home on XX/XX/2018. My mortgage company refuses to release my insurance funds to enable me to start repairs on my home and in violation of the recorded Deed of Trust on my property ( XXXX ). I have been writing to my mortgage company since XX/XX/2018. For over 100 days they have not directly responded to my written requests hindering me from making repairs to my home in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance. 
I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference. 
Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for. 
I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken. 
At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem. 
As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.

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 2018-10-24 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 noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX   XXXX  - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : 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 2018-10-24 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 noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX   XXXX  - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: CA

Complaint narrative:
Despite four mail certified written requests to Equifax credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation