vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
My name is XXXX XXXX. I have a home loan that originated in in XX/XX/XXXX with XXXX XXXX XXXX, it was quickly sold to Amerihome, ( loan XXXX ) for 12 months, then sold to XXXX XXXX, ( loan XXXX. On XX/XX/XXXX, I received an Escrow Act Disc Statement that our new payment going up $ XXXX! 

After doing my due diligence & speaking to all of the companies, XXXX at Amerihome suggested I escalate my complaint after he was unable to answer my questions because, as he stated, " our loan was purged from Amerihome already. '' His coworker XXXX actually said to me today, " this was something that should have been delt with six-months ago. '' I am not getting anywhere speaking to these institutions, they all blame one another for the mishap. I was told by XXXX XXXX  that the reason for the increase was my insurance went up, ( it went down actually ), I was told our taxes went up, ( they did by {$1.00} ), I was told our house was reassessed, ( it was new construction and has not changed since XXXX per the XXXX XXXX XXXX XXXX Website ). Every time I call, they make up another excuse. NO ONE WILL HELP ME! Here are my questions : 1. Please look at the Annual Escrow Act Disclosure Statement from Amerihome. 
a. Our address is incorrect : the physical addr is : XXXX XXXX XXXX XXXX, XXXX XXXX, they have it as, XXXX XXXX XXXX XXXX. 
b. On this Disclosure, look at the ESC Refund, why was any escrow amount refunded? The amount on this disclosure is incorrect, the amount refunded was actually, {$1500.00} & my husband deposited it into our checking account not knowing what it was. Where is the other part of the supposed refund? Amerihome shows a refund of {$3600.00}. 
2. Look at XXXX XXXX for XXXX and XXXX of XXXX. I am the insurance agent for this property, XXXX XXXX is the company. Why are there two deductions for insurance? ( One for {$4800.00} and {$2900.00} )? 
a. Could this possibly be for 'Force Placed Insurance ' as well as my home insurance policy with XXXX XXXX? 
No one can look back that far with Amerihome because they say the loan is purged, sold and void and I they have no access to help me but that I may FAX in my documents for review. 
XXXX. Why all of the sudden is this an issue and why was it not addressed when the issue came up? Why were we not notified about a discrepancy in the escrow balance? 
4. Where it says ESC Refund {$3600.00}, where did that money go? We did not receive this amount as stated before, we received a check for {$1500.00}. Who has the rest of it? Is this possibly the county or the city taxes? 
5. The escrow detail says we paid in {$4100.00} but they paid out {$7800.00}, and that is a difference of {$3600.00}. 

The additional amount they are asking for due to their mix-up is postpositions!

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: NY

Complaint narrative:
I don't have any financial obligation to these companies

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account was hacked into on XX/XX/23, and the persons used my bank debit card information to steal {$320.00} and {$25.00} that was sent to me on XX/XX/23 to purchase XXXX on XX/XX/23. This is a total of {$340.00}. I filed a police report and alerted the banks involved as well. 

I contacted Cash App support several times to report the scam and they have refused to examine the claim any further than to send me a copy of the transaction as proof that it was completed from my account. They continue to send requests for more information and then after I supply it I get a response that says my claim has been closed because they have not heard from me. They continue to request the same information for XXXX different claims that are actually the same request to have my funds restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
My name is XXXX XXXX, we did a wire transfer donation to a refugee school in XXXX from Non profit account name The XXXX XXXX XXXXXXXX XXXX under First National Bank Omaha XXXX. The amount was {$3000.00} transactions dated XX/XX/XXXX, on XX/XX/XXXX, the beneficiary didnt receive the funds so I had called first national bank multiple times they said my money was held they didnt tell me any details or reasons. On XX/XX/XXXX, they still held my money so I requested them to return it back to non profit account. Until today XX/XX/XXXX we still havent received money back and the beneficiary didnt receive it either. First national bank Omaha still hasnt returned money back to us and didnt tell us any reason.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/23, {$140.00} was withdrawn via an ATM. The withdrawal was from an ATM in Maryland when I was out of state in Pennsylvania ( I was out of town from XXXX ). I offered proof that I was not in the state and could not have made the withdrawal and Discover refused to investigate. They claimed that there was no way that an ATM withdrawal could have occurred without my physical card. They failed to tell me that skimming is a current scam and that consumers are victims of this all the time. I asked them to review the video tape of the ATM transcation, which would clearly show it was not me who withdrew the money. They refused and closed my complaint without doing anything to fix the problem. They also failed to inform me of this well known scam and they did not advise me how to avoid this type of fraud in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have contacted LVNV numerous times to resolve this issue of reporting an account that does not belong to me. 

My credit file contains {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, listed as an Original creditor. 
I have not done business with either account, to my knowledge. LVNV has refused to provide actual proof that this account belongs to me. I am requesting a signed contract to verify I owe this debt. 

This erroneous data continues to tarnish my credit and violate the FCRA. A debt collector that has allegedly infringed a consumers rights under the Fair Debt Collection Practices Act ( FDCPA ), can be sued by a consumer for statutory damages of up to {$1000.00} ; actual damages including, but not limited to, harm or loss that resulted from a debt collectors actions ; as well as the consumers attorneys fees and costs. I will exercise my rights if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2023-08-10 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Payment was sent to XXXX XXXX account and it was applied to to separate other XXXX sister companies. Without my permission those XXXX payments went somewhere else. Caused late fees ( but those sister companies held my money until I investigated where my money went to. It was sent back to me after 2 months and now the credit report is reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several incorrect derogatory items listed on my Equifax credit report, which I believe may be tied to incorrect personal information, including my name and address. 

I kindly request your immediate attention and investigation into the following accounts : Account Type : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Status : Derogatory Balance : {$1600.00} each Date Opened : XX/XX/XXXX, Last Reported : XX/XX/XXXX, Account # : XXXX, XXXX Account Type : CollectionXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Status : Derogatory Balance : {$420.00} each Last Reported : XX/XX/XXXX Account # : XXXX Account Type : Open Account XXXX XXXX XXXX Account Status : Derogatory Balance : {$960.00} each Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX These accounts are unfamiliar to me, and I request immediate investigation and removal of these discrepancies from my report in compliance with the Fair Credit Reporting Act ( FCRA ).

Furthermore, I have identified incorrect addresses on my credit report that may have contributed to these inaccuracies. Please update my records with my current address and remove the following incorrect addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Please also ensure that my name is correctly spelled and represented on my credit file, as any discrepancy in my name could further cause incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CITIBANK, N.A.
State: OH

Complaint narrative:
For over the past several years my personal information has been dumped on the dark web and the internet. Over XXXX cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have brought this issue up with bank and they have not been cooperative. I have spent the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about 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 non-monetary relief
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
Creditor has been made aware that debt involves original creditor ( Retreat at XXXX XXXX ) violating Texas Property Code regarding repair of health or safety hazard in apartment. Apartment had mold and foundation leak, causing perpetually damp flooring in unit. Creditor will not discuss resolving dispute prior to litigation or allow me to discuss this matter with an attorney representing creditor, despite being informed that I am a licensed attorney in the states of XXXX XXXX XXXX Creditor refuses to provide phone number or email to legal department regarding Debt Removal Letter or pending litigation, despite knowledge that I am a licensed attorney in the state. Creditor did not provide me with written notice of the debt being placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
During vision XXXX, I signed up for an Alpheon Credit Card in order to take advantage of a promotion. Both the medical practitioner as well as the credit company represented to me that this promotion would allow me to pay the balance of my XXXX costs ( approx. {$4000.00} ) interest free over XXXX years. 

Thereafter, every month, I would receive an email reminding me that I had an upcoming payment. I was expecting to make such a payment on a monthly basis and understood that they would have divided the {$4000.00} balance owed over a period of 36 months and charge me for that amount each month. 

My vision XXXX was in XXXX. My expectation was that the payments would continue until XXXX. When I last checked my account, I realized that the the company had started charging interest in XXXX, including a lumpsum interest in the amount of $ XXXX in XX/XX/XXXX for failing to pay off the balance of the card. Thereafter, Alpheon began charging monthly interest in the amount of $ XXXX every month, even though I believed that I was still on the promotional timetable. 

My understanding is that Alpheon, both in making the initial promotion, as well as during the course of the promotion, intentionally and/or fraudulently made representations that were untrue regarding the terms surrounding the promotion. Alpheon also failed to keep me apprised of the status of the payments, or that interest was being charged. Furthermore, Alpheon failed to warn or otherwise make clear that a lumpsum interest payment ( accrued as of that date ) would be charged if the balance on the card was not paid off by a certain date. Alpheon had my email and phone number, and failed to make any reasonable effort to clarify and/or explain the upcoming charges. It is my belief that Alpheon intentionally attempted to make difficult to assess or otherwise concealed the interest charges in the hopes that consumers would not notice. 

Had I not confirmed and calculated the remaining amounts owed on this account, it would have taken me 15 years, making the minimum payment, to pay off the balance, and Alpheon would have charged nearly {$6000.00} worth of interest on top of the initial cost of the procedure.

Company response to consumer: Closed with monetary relief