vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have contacted Amerihome by phone number at least 6 times and written them 3 letters and emailed faxed regarding this issue. The release of the escrow funds and lowering of my monthly payments has not occurred yet. I am a XXXX Vet and property tax exempt acknowledged by the state of Texas. I have provided proof multiple times and Amerihome refuses to release the escrow funds or adjust my mortgage payment until XX/XX/2020. There has not been a definitive date yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to reach out to Equifax to establish a credit freeze. I was transferred from department to department, all offshore, and kept on hold for almost 90 minutes as they claimed to try to find my file. They asked me the same " security questions '' and for my social security number over and over again. They kept telling me that they couldn't find me in their system, although I have credit and receive credit reports from them. I was also impacted by the Equifax breach, which they notified me of when it occurred. They finally placed a lock on my credit. After all of that, they asked if I wanted a credit freeze -- I told them that's what I'd been talking to them about for almost an hour. 
Then they told me that I can't have a lock and a freeze, so they started the process all over again. I was horrified by the incompetence I faced with this agency. Putting a freeze on my credit with the other two bureaus took about a minute each and was a smooth process. This was a horror -- some of the worst customer service I've ever experienced and created no confidence in their ability to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
I file a complaint against FREEDOM DEBT RELIEF .IT HAVE NOT BEING RESOLVE.I want of my money that is left in my account.nothing have been done.. just a lot of phone call and email.the account is still the same.,. I decided to put all my bills together.with freedom debt relief and was told that my payment was be between 24 -- -48 months for {$380.00} and it will be all paid up.I have already paid 27 payment.and now freedom debt relief is asking for another 30 payments and want me to agree for another 30 months .I m not doing another 30 months. when that was not told in the beginning .I told a different story from freedom debt relief.they are say one thing 24-48 and saying 58 months I will be fixing XXXX and started in XX/XX/08 XXXX that not right I needed some help please.that what I was told in the beganing freedom debt relief 58 months when that is not in our contracted View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
On XX/XX/XXXX I was pre-approved for a mortgage loan with the company name Signature Home Lending. They let me know by phone the loan amount of {$330000.00} and interest rate of 3.5 % because of excellent credit score. I  never received the Loan Estimate, but I trusted them to keep their promise. Later on, I changed my mind, and instead of buying a primary house I wanted to buy a house for investment. My agent called the lender to let them know the changes, and also to let them know I would need a lower amount ( {$130000.00} ). On XX/XX/XXXX I received by email the confirmation of the new pre-approval for the {$130000.00} with neither interest rate nor Loan Estimate.  When I finally found the right house and my offer was accepted, I contacted the senior lender XXXX XXXX XXXX on XX/XX/XXXX to ask if the interest rate would be the same since she never called me to let me know otherwise. Her answer was that ofcourse the interest was going to be higher. I asked her how much higher. The next day we got in contact again, and she told me the interest would be 4.25 %, but when she finally showed me the Loan Estimate I could  notice she was changing for points to lower the interest that she never mentioned, and I never agreed to pay. Now what I thought it was a good deal is became a 4.625 % interest loan. I tried to get a lower interest by changing from 30 years loan to a 15 years loan, but she gave me the same 4.625 %. My complaints are she never told me she was selling me points intead of negotiating the interest, she gave me the Loan Estimate until almost closing which is against the law. Not to mention the HIGHER interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is an account that isn't mine, and inquiries weren't authorized.

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 2020-01-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account.

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 2020-01-22 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX foreclosed on my home on XXXX and the alleged account was with this bank. Now this XXXX  - XXXX XXXX is on my credit report as having some sort of claim on this alleged account that was closed on the above date upon illegal auction. This alleged account again should have been closed but instead now XXXX XXXX XXXX XXXX XXXX  on my credit report has somehow put this alleged account with XXXX - XXXX XXXX knowing it is closed and without my knowledge. Also it shows as show in the below to be in default of 4 payments.XXXX XXXX XXXX XXXX XXXX is trying to extort more money out of me by fabricating these false reports into my credit reports. This while further destroying my credit. 
XXXX CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: NV

Complaint narrative:
There is an account that isn't mine, and inquiries weren't authorized.

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 2020-01-22 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: NV

Complaint narrative:
There is an account that isn't mine, and inquiries weren't authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NY

Complaint narrative:
like a year ago i asked and disputed my credit report / property damage report that Lexis Nexis supplies to insurance companies. they have information that goes back over 20 yrs i asked them to remove the NON chargeable accidents that are listed on their reports since Per NYS law i shouldn't be held accountable for a hit and run, and i was denied insurance due to this being on their report. As well as the numerous address and phone numbers that are over 7 yrs old. they stated they keep it on there but insurance companies only look in the past 3yrs. I told them i don't care its out dated in accurate and i want it removed i never got an updated report. so i requested a new report this year and again ALL this information is very old and out dated and the NON chargeable accidents are still listed. the report they sent me of my addresses are going back to when i was a teenager and phone numbers that i dont even recall. these things are not necessary and need to be removed from their records. I also want any and all property damages ( auto, homes etc ) that i might be reported on my CLUE  report removed as well anything that is over 7yrs past the statue and needs to be removed. this information is shared to insurance companies and is affecting my rates. I feel that Lexis Nexis is acting like a credit reporting agency but is not listed as a major one like XXXX  and they should be since this affect millions of people who are looking for auto/home policies because this is the insurance companies many source of information. An i find more and more people are unaware that Lexis Nexis is providing this information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I received an invoice and I dont know who this company is or what this is for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( XXXX  XXXX  {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I received an invoice and I dont know who this company is or what this is for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I attempted to deposit {$1300.00} ( XXXX XXXX dollars ) into my personal checking account at Citizens Bank  five minutes after the branch had closed. The ATM could not complete my transaction and would not return my cash, instead issuing me a slip that told me to contact my financial institution ( as attached ). I saw an employee still in the building and knocked on the door. He saw my struggles and told me that their software has been recently updated and had led to many ATM peoples for multiple people. He also advised me to call the number. 

I immediately called Citizens Bank 's customer service number and filed a claim with them for the missing money. I was given the claim number XXXX ( as attached ) and I was told I would hear back in 7-10 business days. 

On the following Tuesday ( XXXX XXXX ), I visited the branch and told them what happened over the weekend. They advised me that the ATM company picks up the money on Wednesdays and they would call me to let me know when the money was found. I left my name, number, and all incident information with the teller. 

On the eighth business day ( XXXX XXXX ), I went to the branch to deposit money and asked about my claim as I had received no notification or even acknowledgment thus far. The teller advised me to wait a few more days and that it would probably be posted soon. 

Today, XXXX XXXX ( 12 business days later ), I went into the branch again and asked about my claim. The teller finally pulled me aside and contacted their claims department personally for me. The teller then advised me that my claim had been denied and the matter was now closed within their company. They told me I was notified of this on XX/XX/XXXX, but I received nothing and had no idea about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 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:
This XXXX account was sold to XXXX XXXX XXXX , XXXX. I called the original creditor which it was XXXX XXXX, and they told me that, they aren't reporting this account to any of the credit bureaus because the account was sold. I have a letter from XXXX XXXX XXXX , XXXX stating that that account is not being reported by their company either, if non of these two companies are reporting this account then this is being reported inaccurate on my credit reports. By law I have a right to dispute any inaccurate information that is on my credit report, I need the credit bureaus to delete this account from my credit reports, this account has not been verified nor validated at all. I demand that this matter be investigated and documentation bearing my signature be provided to me, as it is required by law.

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 2020-01-22 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:
XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX card nor was I a authorized user on this account like they are tellng me not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.

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 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent an electronic payment of {$200.00} through my online banking ( CHASE ) that uses XXXX to send money on XX/XX/19. The other person received a confirmation text for the money but the money was never deposited to them. I was advised through my bank to wait 10 days for the money to return to my account since the recipient has not received funds. I waited 10 days and nothing was refunded to me. I filed a claim through my bank for the loss due to the money never being returned to me. I was given a confirmation number of XXXX from a manager by the name of " XXXX '' and was told that they would extend a courtesy refund. 
I have not received my money back, the recipient never received the money. XXXX refers me back to my bank, my bank now says there is nothing that can be done and that my money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX  card nor was I a authorized user on this account like they are tellng me not my account

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 2020-01-22 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received an invoice and I dont know who this company is or what this is for

Company response to consumer: Closed with explanation