vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
I was in Forbearance that ended on XX/XX/XXXX. I recd a Payment Deferral Agreement from AmeriHome Mortgage that I was approved and to make my XX/XX/XXXX payment for Deferral to be effective. I did the payment and thought that the Deferral was being processed. I called on XX/XX/XXXX and the Agent emailed the Loss Mitigation Dept as to why the Deferral was not processed yet. Followed up on XX/XX/XXXX and spoke to a XXXX XXXX # XXXX who was from the XXXX XXXX and told me that I need to make 4 payments in order for the Deferral to go thru..I told her that the Agreement did not state that. She said bcoz I was late 1 month before the Forbearance started plus the XXXX, XXXX and XX/XX/XXXX payments which totals 4 mos. She took 4 payments totaling {$7700.00}. She said my acct will notated and to call back after a few days to check. I called back on XXXX to check, spoke with XXXX XXXX and told me that the payment didn't go thru bcoz XXXX XXXX failed to read the disclosure and we got disconnected. Told him that we didn't get disconnected as we said our goodbyes and told me to follow up. So I gave my payment again as I checked my acct, the money still there. He took it and gave me conf # and told me to follow up on XX/XX/XXXX. In the meantime, I received another letter about my delinquency and to contact HUD Counselor. I'm having anxiety that they will foreclose my home. I called back today XX/XX/XXXX and spoke with XXXX XXXX XXXX # XXXX and advised me that the $ XXXX plus payments were returned back to me and he and his Lead don't understand why it was returned again and why the Deferral was not processed yet. 
This is why I'm filing a complaint because this has been going on for months now and the Deferral has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX keeps calling myself and family stating they have a civil case locally and I need to call another number. I finally called the number because they were bothering relatives. They state they have a case from 2008, a Capitol One account which is in arrears. They state it is in active debt collection and even threatened to take my vehicle when I got nasty and said this is a scam and that that debt had been written off. This company is all over the internet doing this to countless people. They say they sent paperwork that they never sent. It's all a scam and they will sound very nasty and very knowledgeable about your life which would scare most people. By the way, I have a current Capitol One card so I must be in pretty good shape with the company now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This loan started at XXXX XXXX  and was sold to XXXX XXXX XXXX and then to Mr. Cooper. I have been trying to get a loan modification from Mr. Cooper for several years now after suffering a brain injury in XXXX of 2014 car accident. I have fully recovered from the accident and my income has stabilized ( although reduced due to XXXX ). Since this loan is not XXXX XXXX or XXXX XXXX loan, the investor has been unable to offer a loan modification that would lower my payment and defer a portion of the loan balance. I really want to keep my home and would like a fresh start to resume payments. 

There is also another issue of insurance claims that were processed through the lenders but the insurance money was never returned to me. I had to complete the insurance repairs with my own money instead of with insurance money which hurt my situation even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: VA

Complaint narrative:
My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mobile bank account with Chase was hacked into by someone. They got into my mobile bank account, compromised my XXXX that was attached to my Chase bank account, and sent themselves every last penny that was in my bank account. I immediately reported this to Chase bank. They told me they were investigating the matter and would help me with my fraudulent charges. I had to create a new online mobile bank account username and password and place a claims on this issue. Several days later, Chase reported to me that there was no fraudulent activity on my account and they would not refund the money that was stolen from me by a hacker. They said they couldn't prove I didn't authorize these charges despite the fact I reported everything immediately and changed all my online banking information. I have been a loyal customer of Chase for several years and they did me wrong by allowing their weak security systems to get hacked into and by not creating more proactive measures of catching fraudulent activity before they occur. I am disgusted by the way they handled my claim and the fact that they refuse to investigate this matter even further. They claim to have " Fraudulent protection '' but then allow their customers to have their accounts hacked into without offering them any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/2021 I noticed the collection came back with a different name. The name is XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My file size is to big to send everything attached within this web-mail? 

Can someone please reach out to me to arraign sending the attachments?

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XXXX  XXXX has now went against law and beyond his legal means to now STEAL MONEY FROM MY BUSINESS ACCOUNT... 

TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX Total of = {$19000.00} To pay off personal debt... The money in my business account is clear and true and was in the account for over a month. He illegally froze and leveraged that money against my will with no authority. No messages or information pertaining to the reasoning behind it was offered ever. I had to jump through hoops for over a XXXX weeks to get ahold of XXXX XXXX who then told me she was instructing the bank to close the account and issue me a cashiers check prior to this branch manager stealing the money today to pay off personal debt of mine. IT's now cost me my business and livelihood. My business is now fallen and i have no way to pay for food or personal expenses or business expenses. 

The law states If you are an owner of a corporation or LLC, you are a separate entity from the business, and the business isn't responsible for your personal debts. In a corporation, a creditor with a judgment against a shareholder could end up controlling the business, as you'll see below. By they way they never took legal route to do so or had any judgements or civil authority to do this. 

For example, a creditor with a judgment against an LLC member can come after any distributions that would have been made to the member, but not the member 's share of ownership in the LLC. Most states will not order a forced sale to pay the debt. 
. 

Liability for corporate shareholders is different from that of LLCs because the shares of stock they own in the company are considered personal assets. A creditor with a judgment against a corporate shareholder can take the shares of stock the shareholder owns, and along with it, the voting rights granted by those shares. If the debt is large enough, and the shareholder owns a majority of the stock shares, the creditor can take over the company and even force it to be liquidated. 

The above referenced is the ONLY the bank had the authority to take money from my account to pay for personal debt with them. THIS IS A VIOLATION OF THE LAW BOTH CRIMINAL AND CIVILLY BY this branch manager. XXXX 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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: NC

Complaint narrative:
My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
On the US Bank, it shows that we have around XXXX in available credit. but when we try to use it it keeps on being denied. When I called i was advised that the payment is still processing. Yet when I a payment is made it states that payments from US Bank checking accounts are processed immediately. Today XX/XX/XXXX my employee tried using the card at a hardware store in XXXX XXXX. It got declined. The purchase was for {$50.00}. 

On XXXX XX/XX/XXXX when I spoke to reps they both advised that the payments have not gone through, yet the XXXX on the app still showed we have XXXX available. Because of this deceveness we ended up using the our debit card and had a purchase of XXXX. Our vendor advised us that the debit payment had not gone through. But now our funds are tied up in a pugatory in which we dont have access to it and our vendor did nit get paid. To add insult to injury, not we are being charged overdraft fees.

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 2021-12-14 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My Barclays VISA card was supposed to be replaced by a XXXX. I never received a XXXX, but I found XXXX charges on XX/XX/2021. One was {$1100.00} and the other was {$140.00}. When I was able to figure it out I called several times to report it to their fraud department. It is very very hard to reach their fraud dept. It took me more than an hour to reach them. Finally, I did report. But after a few weeks, they closed my case without letting me know the outcome. I tried to reopen my case, but they needed a written request to do so. I have made a written request to reopen my case. I asked them whether they have reported to the credit bureaus, they couldn't say anything. But in the meantime, my credit score has dropped down vigorously! When this occurrence happened, almost all my credit cards were paid off. As per their statement for XXXX, my Barclays card had a zero balance. So I was worry-free! But, as of XXXX, I find the balance of {$1300.00} I do not have any idea about these charges. 
After making the complaint, they canceled my card and issued a new one. This is a XXXX. But I never activated, because I am scared of further fraud. Please ask them to carefully investigate, waive the fraud charges and make a reverse report to all major credit bureaus. Thank you in anticipation.

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 monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account I have tried to dispute and ask for verification and never received any letters or confirmation. I need this deleted and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2021 Fed Loan Servicing sent an email notifying me that I qualified for a refund for a payment I'd made during the Covid-19 deferment period. I requested that refund in early XXXX via telephone. It is now XX/XX/2021 and I have not received a refund despite the fact that the balance on my student loans has increased by the refund amount of {$2200.00} ( the sum of the interest on my loans ). I called back in XXXX and was told the refund was only just processed and a check would be mailed to me within 2 weeks to 2 months. The woman I spoke with claimed the check would arrive no later than XX/XX/2021. It is the XXXX. I have now been trying to contact them for days and have been met with ridiculously long hold times. Last Friday, XX/XX/2021 I was on hold for 2 hours ( despite a promised 15-20 minute wait ) before finally getting fed up and ending the call. Today, XX/XX/2021 I was on hold for over 30 minutes before the call disconnected. All of these calls have been made well within their business hours. My loans were unfortunately transferred to Fed Loan Servicing earlier this year after I applied for the XXXX program. Since then, they have also calculated my number of eligible payments incorrectly and show my having made FAR fewer eligible payments towards the program than what I have actually made. It is utterly disheartening that in addition to the stress that comes with student loan repayment, their service is so XXXX poor to boot. A loan servicer is supposed to offer support to borrowers and be sure that questions and concerns are adequately addressed, and in my experience, Fed Loan Servicing has completely failed to do any of this in the time that l have dealt with them. Over half a year of constant phone calls, and incorrect information and I have nothing to show for it but an increased loan balance and a XXXX program that I seemingly will never qualify for due to incorrect payment calculations. The United States government ought to be more discerning with whom they contract with and hold said contractors to higher standards. Fed Loan Servicing, at this point, should be out of business as my complaints are not unique. I want the {$2200.00} refund I requested and was promised issued expediently and for the payments I've spent years making to be accurately reflected on my account and counted towards XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First call was at my place of employment on XX/XX/2021, which introduced herself as XXXX XXXX XXXX XXXX ) XXXX, who claimed to work at a Law Firm XXXX XXXX XXXX  XXXX who represents her client as Bank of America who filed a civil case against me. I advised her that I have no recollection of opening an account and that I will have my attorney contact them regarding that matter. However, my attorney advised that the number was not working and that the number has been reported as a SCAM. This XXXX XXXX has now contacted my family members. Two other phone numbers which associated with XXXX XXXX and both does not work! ( XXXX ) XXXX & ( XXXX ) 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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 my HOA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX sent all the residents in my building a letter stating that Flood Ins for our units have changed from an XXXX  to XXXX. Therefore, we were no longer required to carry flood Ins. I sent the letter to my Mortgage Company PNC, along with the Flood Certificate, showing that the XXXX Community number on the flood map is the same as the new Fema Map # is XXXX XXXX, which shows that my property is now located in flood zone XXXX and Flood Insurance is no longer required, per FEMA. Per PNC Bank, the want a XXXX Letter, which I can not obtain. PNC will not accept the new FEMA MAP or the Flood Cert that was provided to me by XXXX XXXX XXXX. PNC is now requiring for me to obtain Flood Ins or they will put forced placed Flood Ins on my home. I can not afford to pay for Forced Placed Flood Ins. By doing this, this will cause my mortgage payment to increase considerably, which will force me to sell my home or go into foreclosure. My HOA paid the flood Ins for my property in the past, but dropped it, due to the new Fema Map. There is 6 units in my building, I am the only person that has PNC and the only person required to carry flood Ins. This is just ridiculous, and I can get no where with PNC. PNC is not fair and is ignoring FEMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I had realized I had several unauthorized charges on my account from XXXX play. I immediately notified moneylion/roar money as specified per the terms of the account. I was given a provisional credit for all of the charges for the charges. A couple of weeks later I check my account and realized, the provisional credit they had given, was reversed and deducted from my account. This is the second time that the company has done this. I have just recently learned that I was suppose to have been notified of the findings and given an opportunity to request documents used to make their decision. I have not received any notice or any insight as to their findings. The first time this happened I though it was a problem with my email, until I had them send me an email while on the phone, and that went through. I have checked all online areas within account and have zero notices or documents available pertaining to either decisions. I was never notified that the account would be deducted said amounts of the charges either. I have reached out and asked and it's walking in circles and all I get told is that their decision is final. In the previous attempt, I was told they would send the information again, I still never recieved.

Company response to consumer: Closed with explanation