vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
AmeriHome Mortgage ( who assumed our original loan ) at the beginning of XX/XX/XXXX has breached their fiduciary duty to us by not protecting our personal financial information and causing us to be defrauded of {$2500.00} at the time of this complaint ( XX/XX/XXXX ) and exposing us to unknown future repercussions of identity theft. 

On XX/XX/XXXX we were notified by our bank, XXXX XXXX, of fraudulent charges within a savings account we use for college for our children. There were multiple ACH direct debit transactions totaling {$2500.00}. There are no checks or debits cards related to this account, so we were perplexed as to how someone gained access to it as they would need very sensitive information such as SSN and DOB. 

Upon review of the charges, the name XXXX XXXX ( AKA XXXX XXXX, DOB XXXX ), is listed multiple times on our statement for these fraudulent charges. A quick search returned this name to AmeriHome, which is our mortgage company ( our loan was sold to them in the last 8 weeks ). From her own XXXX   Profile, XXXX XXXX lists herself as a Loan Review Specialist at AmeriHome XX/XX/XXXX to the present and she obviously had access to our data. 

The following are the fraudulent transactions to date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { The charge to XXXX XXXX paid for rent, and it leads to an XXXX complex with an address associated with XXXX XXXX in XXXX, TX -- XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX at XXXX XXXX }. 

XX/XX/XXXX -1 * XXXX XXXX Ch XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXXL XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX { the XXXX and XXXX were test deposits from XXXX that she initiated to link OUR bank account to HER XXXX account, in an effort to defraud us. In order to do this, she has illegally gained access into our bank account. } In essence, we trusted our mortgage company, AmeriHome with our confidential personal information and they have breached their fiduciary duty to us by allowing this fraud to occur. Whether it by sloppy hiring practices or improper computer encryptions for sensitive data, our SSN and all our personal information has been compromised indefinitely and the longstanding repercussion of this identity fraud is unknown. Every online review of this company leads me to believe their unscrupulous practices should be looked into carefully. We can not and will not do business with such a company and will be retaining a lawyer if we can not get swift and proper remediation. 

AmeriHome was negligent in protecting us, their customer. We are so discouraged that the one place that was supposed to protect our information ended up being the same place it became compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: CA

Complaint narrative:
Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is regarding my personal checking account from Harris Bank BMO. I requested the account closure in late XXXX of 2019 and a check was supposedly mailed to me on XX/XX/XXXX. 2019. After a few days, weeks, months of not receiving the check, I placed multiple phone calls to determine the whereabouts of my funds. 

BMO Harris bank initially replied that the check was lost and as of XX/XX/XXXX the funds were returned as they may have mailed the check to the wrong address where it was returned to BMO Harris bank as undeliverable. 

I need my funds to pay off my car loan. BMO Harris Bank is stating that I must now wait their banks policy of 90 days before another check may be issued. I have communicated this to multiple individuals at BMO Harris bank, the last and most senior individual being a MrXXXX 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 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ

Complaint narrative:
Heartland payment systems began charging me more than an additional {$120.00} per month on my credit card processing services. We had an agreement at $ XXXX/mo which soon turned into {$95.00}, then as of XXXX became {$220.00}, no, they have charged me this for 5 months, totaling over {$620.00}. They claim this is because I did not take a " survey '' I have spoke to my representative from heartland, after a year and a half, he tells me, well you didnt get the notification, because we had the wrong email address on file. So now i have {$620.00} tied up, my rep cant get my money refunded, and they are still charging me monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
A debt was added to my credit reports BEFORE I was notified of the debt in writing and the opportunity to dispute. The debt stems from student housing for my daughter. She never received the keys or took possession of the unit. We attempted to resolve this with the apartment complex but was unable to. I was not made aware the debt had been handed over to a collection agency until it showed up on my credit report. I tried disputing it with the credit bureaus bureaus but ProCollect continues to validate the debt even though I was not made aware nor was my daughter. I am asking again for them to remove the debt from my credit report and my daughters credit report. Her name is XXXX XXXX. We are supposed to have an opportunity to dispute the validity of the debt before it is added to our 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 2019-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I closed my XXXX 's Card back in XXXX of 2008. It is still showing up on my credit report, twice. I would like them to both be removed. The balance has been paid off a long time ago. This is effecting my credit score and I am currently working to get this score higher.

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 2019-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo closed my business account for no 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 explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TX

Complaint narrative:
I started XXXX XXXX  XXXX in XXXX XXXX, Oklahoma on XX/XX/2018. I was there until XX/XX/2018. During those 3 months I was hit with 6 marks on my credit score. Ive tried calling Mohela and they say theyre not able to take it off because its my fault I was gone and joined the military. In basic training you do not have access to the outside world for almost 3 months. There was no way for me to pay it. So now Im here at my duty station with a terrible credit score that cant get me any loan to get a vehicle I need to get around base. I am constantly asking for rides. My credit can not recover and I can not get a car without it being removed which they refuse to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened this account in XX/XX/XXXX ( I think ) to allow me to make payments on a new furnace / air conditioner for my home. My old furnace did not work anymore. I went to a local HVAC dealer / installer and they presented me with 2 financing options through Synchrony Bank. One option had a low interest rate for however long the balance was unpaid, the other option offered a promotional 18 months 0 % interest but would jump to 25 % interest after the promotional period ended. I chose the promotional option and opened the account with a balance due of {$6700.00}. 

What was not explained to me is that at the end of the promotional period if the balance was not paid in full, interest from the inception of the account at the rate of 25 % would then be added to my account in one lump sum and then I would also be charged 25 % interest going forward. 

I missed my payment for XX/XX/XXXX. I logged into my account to make a payment on XX/XX/XXXX and found that {$2800.00} was added to my account as one lump sum in XX/XX/XXXX. My previous balance was {$3600.00}. Now due to the lump sum interest and 25 % interest on my balance since that time, I now owe {$6600.00}. 

I called Synchrony in the evening of XX/XX/XXXX to explain my issue and to see if anything could be done to reduce the lump sum interest charge of {$2800.00}. The representative stated the only thing she could do is take notes and submit to someone else for review. In a nutshell, she stated I signed the papers so I should have known. 

I need help with this. All the payments that I made since my account opened in XX/XX/XXXX are now gone. I can not afford to throw all of that money away.

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 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank Change my payment date from the XXXX XXXX of the month to the XXXX of the month I called them back in XXXX and was spoke to them and explain to them I wanted to keep my same date in which they told me they system updated and my new date is on the XXXX now. then we discussed putting it back to the XXXX and the customer service person got me a supervisor in which she stated it could be on the XXXX of the month. Have called back they claim I did not talk to no one. I called Capital One Bank 2 times was on the phone for over 35 minutes with this issue and called a second time same thing longer conversation. Also was told back in XXXX I would receive a letter as proof both times and have not received no such letter of the payment being on the XXXX XXXX of the month I also have my printed out phone bill showing the length of the said phone call. I also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I get a settlement with " well fargo credit card '' To pay {$320.00} the debt i owed to the bank and they are charging me a lot of money for all they fees and that staff. They want to charge me {$800.00} for fees. I also received a letter from the bank saying that They " will stop futher efforts to collect the remaining balance '' and they still calling me to see if i can make the full payment, and still affecting 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 non-monetary relief
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
I did not recognize any of these account and Never applied for these accounts. Please remove all of them from my credit report because its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My current servicer is force placing insurance for a structure located on my property that has been destroyed by Hurricane Irma and no longer exists. 

Before the storm there were two structures on the property. Full Insurance coverage has remained in place for the remaining structure. 

I have sent the required documentation multiple times that the property no longer exists in order for them to cancel the forced placed insurance. Even though they have cancelled the policy several times once they receive my documents they continue to do it again the following month and I have to repeat the process all over again. They have cancelled the forced placed coverage several times this year alone and put in writing acknowledging their error and that they are aware there is no longer a structure yet every month I get a new forced placed insurance policy. 

This is so ridiculous to have to prove every single month that they there is no structure and it has caused me distress and so much time to stop them from doing this every single month. It is blatant disregard and it should not be allowed. It has caused me emotional distress and I am worried the lender is trying to charge me for something I do not owe. Please make them stop. I have tried everything! I am uploading all of the forced placed notices along with correspondence stating they are cancelling the coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
contacted company about incorrect information on report and company did not properly investigate

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 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX. I live on XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. However, I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, where I had a XXXX XXXX XXXX  XXXX  car, which I left there before moving to XXXX   XXXX. 

On XX/XX/XXXX, I transferred an amount of US dollar {$330.00} via Cash App to a friend, XXXX XXXX, who lives on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX to pay for the car 's annual tax. 

Just after the transaction, XXXX realized that his cell phone dis-functioned to pick up the money. Then I chose to cancel the transaction and return the money back to my account. 

On XX/XX/XXXX, I called Cash App customer services to cancel the transaction and transfer the money back into my account, unfortunately, it never happened as expected.The representative I spoke to via telephone number XXXX XXXX XXXX XXXX, The representative deliberately, gave me wrong directions to purportedly transfer {$330.00} back to my account. 

As soon as I finished talking to customer services, I checked my bank account for any credit, instead, I realized the debits of total {$2600.00} total in four different transactions of {$110.00} ; {$100.00} ; {$1200.00} ; and {$1200.00} the same day ( XX/XX/XXXX ) I tried to call Cash App customer services many times to get the money back, but they asked me to pay {$500.00} to get the {$2600.00} back, or buy a XXXX XXXX card, then send the number on it. The also asked me to go to the closest XXXX XXXX or XXXX XXXX store to ask for the transaction. They finally started hanging the phone up on me.Actually, they have closed my Cash App account ; I have no one else to ask help from, other than Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC was not allowing me to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully but then he payment never should up and I was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vacation so it was impossible for me to go into a branch and make a payment. 

After I filed a complaint requesting a refund for the interest charged as a result of the HSBC bank error I received the attached letter as a response. This was investigated by an HSBC Customer Relations Manager XXXX XXXX. 

The response is full of lies and inaccuracies. I have the following issues 1 ) HSBC is claiming that the payments were not successful due to missing information. I have a letter from HSBC confirming that the reason the payment did not go through was due to the fact that phone payments are not an option. And my payment needs to be submitted in branch. So it was NOT due to missing information ( see letter attached ). 

2 ) The payment on XX/XX/XXXX was also not successful. I ended up making a payment in branch on XX/XX/19 for the amount of {$35000.00} ( See attached check ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$16000.00} of fraud has been taken from our bank of america account. this money on the bank statements has a description of XXXX but the XXXX monthly reports do not reflect any of these transactions. the amount taken from our account is {$16000.00}. we rarely if ever use our atm cards, instead we use our credit cards. fraud has been committed starting with XX/XX/2019 and continuing up through XX/XX/2019, we are concerned because bank of america has closed the case and the case is now in reconsideration and the claim number is XXXX this money is needed to pay the irs on XX/XX/19 and we do not have it in our account to pay our taxes and other invoices. this appears to be an inside bank breach as both our our atms cards have been used so they had to have access to information for both of us. the fraud on the other card was {$40.00} and that has been returned to our account. we would now like the {$16000.00} worth of fraud to be returned. we have been asked to help the fraud department and have sent in letters and made phone calls. i've called on numerous occasions to ask the fraud department what they have done and nothing has been relayed to us about the efforts on the banks part of the investigation. our investigation is limited as we do not have access to the banks reports of breaches, insider leaks, or other irregular banking practices that happen with bank of america. we are confident that we have not given anyone use of our cards or used these card ourselves. this appears to be a bank breach and we would appreciate the {$160000.00} returned to our account. the bank has all the bank statements needed to make the determination. 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 monetary relief
Consumer complaint received 2019-09-06 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: GA

Complaint narrative:
I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.

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 2019-09-06 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: FL

Complaint narrative:
contacted company about incorrect information on report and company did not properly investigate

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 2019-09-06 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: FL

Complaint narrative:
contacted company about incorrect information on report and company did not properly investigate

Company response to consumer: Closed with explanation