vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I have been attempting to contact Amerihome Mortgage to have the value of my home re-evaluated so that I can have the PMI on my mortgage account removed. The value of my home has risen more than enough to put our account under the 80 % loan to value ration needed to have the PMI removed. I have attempted to follow their instructions twice now. Each time, I am told to write an email and wait 30 days. Two emails, two 30-day cycles, and numerous phone calls has resulted in being told that there is no record of my request and absolutely no one that I can speak to. All that I can do is send another email and wait and additional 30 days. Even though I have received confirmation emails, saying my email has been received, I keep getting told that there is no record of my request and, again, there is nothing that can be done except to submit another email and wait. 

I sent my first email to XXXX on XX/XX/2021. I then sent a second on XX/XX/2021. Upon speaking with a representative today, I was told that it did not matter that the 30 days had gone by, from the last email, and that I would have to submit another email and wait again. 

I feel like this is a very underhanded and deceptive way to keep a fee on my mortgage that I have every justification to have removed. I am told that I can not arrange to have my home value appraised on my own and that Amerihome must arrange it. Yet, I can not get in touch with anyone. 

We are struggling through these times and are making efforts to keep in good standing. We have not missed a single payment nor have we been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX, I inadvertently made a manual payment via Bank of America 's website, having forgotten I had set up an automatic payment to be made timely every month. 

I discovered my error on XX/XX/XXXX when the two payments cleared. I was not notified or the double payment nor asked by Bank of America if it had been made in error. 

I literally spent HOURS on the phone trying to get through to a representative to have the second payment reversed as soon as possible as it gravely impacted my finances. 

My so-called 'loan representative ' was never available and I left multiple voicemail messages, to which he/she NEVER responded. 

I finally reached a representative and, after taking my information, stated the reversal might take up to two weeks. 

I then contacted Bank of America through the internal messaging system on their website in order to create a written record of my effort to recover the {$810.00} second payment made in error. 

Bank of America stated I needed to send PROOF by way of my bank statement of the duplicate payment. The latest message - after I sent the requested documentation on XX/XX/XXXX - acknowledged the duplicate payment, yet they still asked for proof in the form of a copy of the applicable bank statement, which had been sent to them. 

After 21 days and multiple attempts on my part to have the second payment that I made in error reversed, my funds have not been returned to me despite my effort to have that done. 

Bank of America exhibits extreme dilatory tactics to hold on to funds to which they are not entitled, being fully aware of the duplicate payment.

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 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance has given me the most horrible experience. Their company has a history of complaints and unethical practices. Its motto, " We change lives, '' yes they do change your life to XXXX. They have been reporting on my credit for over 5 years now and adding interest I am assuming not sure because the car has been with their company for over 5 years and the interest just started in XXXX. I reached out to them, and they sent me a payment history that is so different than what they are reporting on my credit report. I called and spoke to someone and they told me my account is open when for 4 years my account was closed. How does a closed account become reopened with no merchandise? Credit Acceptance 's loan performance disclosures belie a deeply flawed business model. In XXXX, Michigan thus far in XXXX, nearly one in eight of all available civil lawsuits filed in the city involve Credit Acceptance suing borrowers. They have been untruthful regarding Truth In Lending Act violations due to hidden finance charges. I want this company to " do the right thing ''. Something is wrong with the morals and ethics of this company. People are more than just a profit. Do honest business with clients. Please stop reporting inaccurate and start practicing ethical business with customers.

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 2021-08-02 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
ALLY FINANCIAL is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full. 
- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment On Time CO Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Friday, XX/XX/2021, I went to the Chase ATM to deposit a check in the amount of {$4900.00} into my account. I received a message from the ATM stating that Chase will be holding all funds until XX/XX/2021, with no immediate funds to be made available. I was bothered because I am very familiar with Reg CC and thus understand that : 1 ) I should have access to at least {$220.00} from my deposit at that moment.

2 ) I am NOT a new customer. I have been with Chase for at least 10 years ; therefore, a 10 day hold on my deposit is not necessary, nor applicable.

3 ) The check amount was less than {$5000.00}, which means that this does not qualify as a " Large Deposit Hold ''. Furthermore, I have in the past deposited checks that were less than {$5000.00} but over {$1000.00}, and was not given a ridiculous hold time. 

I spoke with Chase and presented these facts. I was told that they could not release the funds because they did not have an image of the check yet in their system. I don't believe this because my receipt from my ATM deposit has an image of the check ; therefore, they have the image too. I also asked why they were placing a customer of over a decade on a 10 day hold to release funds from a check that was less than {$5000.00}, and they could not provide an answer. 

We are now Monday XX/XX/2021, and I still don't have access to my funds. I have bills that were pending payment on that date, and now my credit score and account status are going to be affected by this unnecessary hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has locked me out from accessing their credit reporting services on their web site. I have been locked out for over 15 years after Transunion claimed there was a fraudulent attempt to access my credit report. I can not use the Transunion web site to access my own credit report or manage freezes on my credit report. I have spoken to Transunion 's support team on several occasions, most recently on XX/XX/2021, and they offer no process to restore my access. They claim that " laws must change '' before they can restore access to my account. I'm trying to buy a house and I need to lift my credit report freeze in place at Transunion to qualify for a mortgage. Transunion only offers access to a cumbersome phone system for managing credit reports that has limited operating hours, or they ask for requests to be mailed to them. 

Transunion needs to provide a process for consumers to restore access to locked 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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Ordered a free report on XX/XX/XXXX, it's now been over a month, I called and they claimed it was on its way but it had been well over 15 days and no repirt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/21, I purchased online from XXXX XXXX XXXX using PayPal to pay in the amount of {$48.00}. The website appeared to be XXXX XXXX outlet clothing but is XXXX scam/counterfeit site, one of many this company advertises on XXXX. I did not receive an order acknowledgment from the vendor directly but learned from PayPal 's email of the transaction that the company 's name is XXXX. My VISA has been charged by PayPal on XX/XX/21. I attempted to contact the vendor but they have no phone number, nor customer service number or email to contact them. The vendor 's website contact form does not work. I suspected from the email that they were a scam site and called PayPal customer service immediately on XX/XX/21 to stop the transaction. I also contacted the real XXXX XXXX via XXXX and they confirmed that the XXXX is not theirs. PayPal 's customer service representative indicated that because the transaction had already gone through, they had no way of knowing that it was a counterfeit site and I had to file a dispute online. On XX/XX/XXXX I immediately went to my PayPal account and filed CASE ID XXXX through PayPal 's online resolution center to dispute the transaction. I considered the transaction unauthorized because PayPal did not give me other options to check. According to PayPal 's Buyer Protection plan advertised on their website, I had 180 days to let them know if the item is defective or counterfeit. I received an email on XXXX at XXXX XXXX EST indicating that my dispute case had been denied and filed an appeal. On XXXX, I received another email from XXXX indicating that my appeal had been refused. PayPal is not honoring their advertised buyer protection ( paypal.com/ph/webapps/mpp/paypal-buyer-protection ) and by honoring these transactions is actively encouraging sale of counterfeit items and fraudulent credit card charges to consumers. I have contacted my VISA company to dispute the transaction in the hope that they can research the problem accurately and reverse this transaction. I have also contacted the Attorney General 's Office in my state to file a similar complaint. Consumers should have some protection from e-commerce fraud and this company should be investigated by the FBI as well for their illegitimate/counterfeit websites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am a victim of identity theft due to an XXXX  credit breech. This account is unauthorized and fraudulent lease at XXXX at XXXX balance 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 2021-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act, I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine & Weiner is claiming a debt that is not owed, to them nor any other person ( s ). Caine & Weiner is using false and misleading statements in an attempt to collect a debt in direct violation of 15 USC 1692e ( 2 ) ( 8 ), spcifically that XXXX is a creditor, as defined at 15 USC 1692a ( 4 ). Caine & Weiner has continuously and repeatedly attempted contact via the phone at inconvenient times and at my place of business in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ). Caine & Weiner has made contact and withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which constitutes harassing and abusive communication. Caine & Weiner has continuously reported information affecting my personal and financial reputation and health, specifically alleged debt without proof of a contractual agreement with consumer in direct violation of Federal Rule 1002 and UCC 3-104.Furthermore, I have no contract with Caine & Weiner and never have. Caine & Weiner inaccurate reporting of my personal information is putting me at significant risk of Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: IL

Complaint narrative:
Notice for Proof of Claim Account : Sentry Credit and the balance of {$1100.00} .To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices Howard Lee Schiff, P.C.
State: ME

Complaint narrative:
I started receiving letters from Howard Lee Schiff in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from Howard Lee Schiff they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called Howard Lee Schiff office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff.

The Attorney Capital One obtained, Mandarich Law Group , LLP has not done their due diligence either. I never notification from them in attempt to collect a debt.

Company response to consumer: Closed with explanation