vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I am currently going through a refinance with a lender. The title company for the refi alerted us that I owed property taxes, and that I would not be able to close until they are paid. I reached out to Amerihome to find out what is going on. 

XXXX County, MD given home owners a 1 % discount if property taxes are paid in full by XX/XX/XXXX of each year ( the most recent property tax bill is attached to show that XXXX, a 0.5 % discount if taxes are paid by XX/XX/XXXX of each year, no discounts if taxes are paid by XX/XX/XXXX. The County begins assessing penalties if taxes are paid after XX/XX/XXXX of each year. Taxes may be paid in full ( and must be paid in full to take advantage of the discount ), or semi annually - by the end of XXXX of each year for the first installment, and by the end of XXXX of each year for the second installment. 

On their website, Amerihome claims that payment for property taxes is " disbursed from your escrow account and sent to your taxing authority prior to the due date ( discount date, if applicable ). '' ( A copy of the print screen is attached ). I pulled by escrow history from Amerihome and it showed that the services never paid my property taxes by the discount date, meaning that I never took advantage of the discounts offered by my County, even though Amerihome on their own website state that they pay property taxes by the discount date.

I tried to get someone from Amerihome 's compliance department to contact me ( the helpdesk staff can not handle these issues, as I understood from talking on the phone with them ). I contacted Amerihome in writing about this, I called them about this issue as well. And no one has got back to me. 

And now Amerihome failed to pay this year 's taxes ( not even the first installment! ) by XX/XX/XXXX. ( Evidence attached ). The County is  now assessing penalties and fees, and my refi is in danger of not going though! I will likely have to pay my taxes out of pocket, even though the servicer has been collecting my escrow payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I notified SoFi of transactions that I did not make nor did I authorize. I followed SoFi.com directions on how to dispute unauthorized transactions. The transactions total {$2800.00}. SoFi has  partnered with The XXXX XXXX  for the MasterCard debit card these transactions were made with. On XX/XX/2020 I received an email stating that my dispute was not going to be processed. SoFi was not going to submit the dispute according to the MasterCard master  merchant agreement. SoFi did not submit the dispute to The XXXX XXXX. When asked why I received an email stating " During the course of all of the transactions you are disputing, there were no failed PIN attempts or declines in reference to the charges indicating whoever was using the card knew the available balances ; this is including multiple deposits made during the time period. '' This is not a true statement. I contacted all the merchants in an attempt to dispute the transactions directly with them. Most of the merchants told me to file a dispute with my bank, that they can not just refund a card. One of the merchants told me that nothing matched my information, specifically my name. Meaning the name used to make all these online transations wasn't mine. The explaination also states no failed pin attempts. All of these transaction were online, no merchant asked for your pin for an online transation. As  far as the declines, that statement is also not true. On XX/XX/2020, another transaction I did not authorize hit my account. Filed a dispute and again was denied. The response I received was " 1. You have had previous transactions with the merchant. 2. There have also been multiple attempts for other transactions with the merchant that were denied due to insufficient funds in the account. Just because I did business with the merchant does not mean that I authorized any additional transactions. The first response said i was being denied  because there were no attempts denied and the second response states i was being denied because there were " multiple attempts for other transactions with the merchant that were denied .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I refinanced my home in XXXX. The mortgage company accidentally indicated that I was 30 days late on my payment for XXXX and XXXX on the old account. I contacted The mortgage company and they agreed to resolve the issue. Equifax has received a letter stating that the reporting was in error. The only change in my credit report was to mark XXXX and XXXX as 60 days late. They have not corrected the report and it is significantly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: SC

Complaint narrative:
Please see the attached detailed letter with all dates, comments, etc. This complaint concerns Mr. XXXX XXXX, Nationwide Mortgage Bankers Inc., NMLS number XXXX. He should never be permitted to engage in brokerage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Regulation B violation Wells Fargo Private Bank was doing a jumbo home loan for my main home wanted to buy for my family. I signed a PA on XX/XX/2020 for {$5.00} XXXX loan. I had large deposits with them and they said it should be no problem. 
Almost 45 days after I got started the process I have not heard back rom them and presumed they had everything they needed. They told me they still needed several documents. I asked why they never asked me for them and they lied and said they did. I told them you sent me no emails, no missed call or voice messages. 

Now my closing date is in a few days and I am going to lose over {$1.00} XXXX deposit and won't be able to get a home. 

They say or we are sorry we did what we could!! Several other banks I sent my information to this week said they could all do this loan no problem for me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I owe a bala

nce on my Lowes credit card. The Lowes website wont let me pay this balance ahead of time. The credit card is managed by Synchrony bank. A bank should not stop a consumer from paying a balance even though it has not billed. I think this is their way to gain interest and fees. As long as I have balance I should be able to pay it.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have filed a complaint already against Barclays, but realized there were many more details I did not include. This is for the Barclays Aviator rewards card. I had a boyfriend named XXXX XXXX who took my credit card and booked travel in my name and in his. I had no knowledge of it. He did it so he could travel on his own at my expense. The booking was also put in my name is so it did not seem suspicious to the bank. I had auto pay set up so I never even looked at the charges and knew nothing about it until several months later. I put all the charges in dispute with Barclays. It was successful but months later many creditors rebilled. Due to the Covid virus all the airlines were demanded to refund the tickets. This was after XX/XX/2020. Barclays would not repopen the disputes as they said it was already disputed. As mentioned the law took affect months after my dispute. I have called the bank on at least 30 occasions. This was to be submitted as FRAUD they would not put it in FRAUD as they said I knew the perpetrator. I called all the airlines and they said they already issued refunds.. Barclays is stating they never got refunds. I have never had so much stress in my life. I had to close down a XXXX line of credit as working with this bank has been the worst experience in my life. Please help me resolve this dispute with them.

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 2020-10-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2020 I submitted certified letter to Equifax stating that I have fraudulent activity on my credit report which consists of numerous inquiries that i did not authorize some even are duplicated from the same companies. 
XX/XX/2020 The dispute was closed and the fraudulent inquiries remained on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing XXXX XXXX to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. XXXX XXXX did NOT validate this debt, All credit bureaus have removed this acct except Experian

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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
XXXX XXXX company had my original loan for my property in XX/XX/2020. I have been paying them each month up until XX/XX/2020. Lakeview loan servicing notified me XXXX saying they had bought the loan from XXXX XX/XX/2020. Both companies claimed they owned the loan. Finally XX/XX/2020 XXXX said Lakeview owns the loan and will send over all payments they have received. It is now XX/XX/2020, Lakeview still has not received the payments and will be sending collection and report to Credit. I have sent Lakeview documents and statements of my payments to  XXXX. This has being going on for over a month and it will affect me negatively Credit wise

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 2020-10-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute with XXXX XXXX, XXXX XXXX  and with Equifax regarding the fact that on XX/XX/XXXX, Equifax completely REMOVED my XXXX XXXX and XXXX auto loan from my credit which directly caused my credit score to decrease by 23 points. I have been waiting nearly 30 days for a resolution and still nothing has been updated. Equifax has since put my XXXX XXXX account back on my report and sent sent me the attached reporting from XXXX which is STILL NOT showing up on my credit bureau and my credit score has not been restored. I am in the middle of a mortgage purchase and this is NEGATIVELY effecting my purchase. Why do the credit bureaus get to ruin a persons credit overnight and then take 30days or more to fix their mistake? I have attached my FICO score as of today as well as a copy of what Equifax sent to me regarding XXXX XXXX. I have also pulled my recent payment history from XXXX XXXX which clearly shows that I have been making payments, but what Equifax sent me shows my last payment in XX/XX/XXXX and that is a lie. Equifax is a horrible company to deal with BECAUSE they are lairs. I filed a dispute with XXXX in XX/XX/XXXX BECAUSE Equifax was NOT reporting my payment since XXXX. Since that dispute they UPDATED the payments and NOW they are trying to go backwards by stating that I have not paid since XXXX XXXX WHAT THE XXXX IS THEIR PROBLEM??? WHY ARE THEY ALLOWED TO DO THIS??? WHY ARE THEIR NOT BETTER CONTROLS OVER THIS??? THIS IS CRAZY THAT I AM GOING THROUGH THIS AND I AM ACTUALLY PAYING MY BILLS!!! I WANT THIS FIXED SO THAT I CAN FINISH MY HOME PURCHASE AND MOVE MY FAMILY ... ..IS THERE NO ONE THAT CAN DO ANYTHING ABOUT THIS???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reported to CFPB NUMEROUS times issues with Experian reporting a negative account that is NOT valid. I have sent several disputes since XX/XX/20. The refuse to to comply with FCRA and complicit in allowing Credit systems to violate FDCPA. Then on XX/XX/20 Experian finally removed the account credit systems collections from my credit file and my credit score increased by 18 points. then on  XX/XX/20 they added this collections back to my credit file decreasing my credit score by 3 points. They have refused to supply proof of what  method verification process Experian utilized and provide me documents substantiating this debt in accordance to my consumer rights. Credit Systems did NOT validate this debt, All credit bureaus  have removed this acct except Experian

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 2020-10-02 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't  XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2020 I received an email from Capital One that my online access to my accounts was blocked as they needed to verify my identity. I contacted them and submitted the requested documents. DL, SS Card and a letter to update all accounts. I was told that an old closed account from the XXXX that was in my previous maiden name was throwing a mismatch to their system. As of today, XX/XX/XXXX, I still have no online access to my accounts and at this time their system will not allow any payments to be made to my accounts even with the assistance of a customer service representative in any fashion. I have called frequently over the last 6 months and have been continually told that the case has been escalated to their " back office '' team and is still under investigation. Prior to XXXX I could make payments via phone with a rep. Now my accounts are locked for any kind of payments. Therefore, I am now incurring late fees and in 2 weeks will receive a 30 late credit reporting as they can not process payments.This is beyond frustrating and ridiculous now.

Company response to consumer: Closed with non-monetary relief