vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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:
Thank You, The company in question is Experian. I have nearly a 100 point difference in credit score due to their faulty standards. My XXXX score is XXXX while the Experian sits at XXXX. It is a XXXX shoot which company providing credit uses as to whether I am approved or not! The biggest problem is an item named XXXX. This is NOT my account! It clearly states date opened of XXXX 2020. If you review my accounts, it is NOT there! I have not missed ANY payments in 5 years! As you will see all say exceptional! It is {$490.00} from XX/XX/2020. NOT MINE! acct number XXXXxxx of which experian has the rest! I have tried to challenge it on the web, to no avail! I then called, waited nearly 15 minutes, was told I would be transferred, then HUNG UP ON! This is INSANITY! I don't have this problem with XXXX or XXXX! How can you have a credit score of XXXX and NO late payments for 5 years???? Both XXXX and XXXX are far and above very much higher!!! As you will plainly see, all accounts showing as of the last five years show exceptional!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
Amerihome has a new website : During website account registration, and each and every time we log in, we are forced to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy policy We do not want our information sold or shared with non-essential affiliates or marketing companies. However, our attempts to contact AmeriHome for clarification by - calling " customer support '' ( XX/XX/21 for over an hour ) - XXXX - email - XXXX ( XX/XX//21 ) - send an online form with our question per their " IT '' person 's request after calling AmeriHome 's customer support number again - XXXX XXXX Incident : XXXX ( XX/XX//21 ) are confusing or ignored, by either AmeriHome 's customer service line, their IT Dept, and XXXX. 

Called today ( XX/XX//21 ) to confirm that we are opted OUT of AmeriHome / XXXX XXXX marketing / sharing or selling of our loan or PII data after logging into their website today and having to agree, yet again, to their Terms and Conditions and so-called Privacy Policy, yet could not get a clear answer. When asked by customer service if we opted in, in fact, Yes, we have opted in because FORCED to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy Policy in order to look at this website to review our current 's month 's loan activity and e-document messages. 

We are finding AmeriHome 's lack of clarity, conflicting information, and our inability to ask for and remain opted-OUT very shady. Is this not a banking / mortgage institution, or in fact, a free-for-all shady data sharing company? AmeriHome customer service does not appear to be aware of their own IT Dept 's, XXXX, data sharing activities, or if they are, they are hiding behind their vendor 's activities : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
My summer home was sold on XX/XX/XXXX. Ameris Bank held the mortgage, and also collected escrow. They state that they paid my property taxes and withheld funds for my homeowners renewal that was not due until the end of XX/XX/XXXX. I cancelled the homeowners XX/XX/XXXX and there was a refund from my homeowners in the amount of {$360.00} paid to them. There was no reason to hold funds for a renewal policy since the home was sold. My property taxes for the county were paid by the closing attorney in the amount of {$3300.00}, and definitely not Ameris Bank. They have now owed me {$4400.00} for over 90 days. This has certainly negatively impacted my wife and I because we are in our XXXX and on a fixed income. We have documentation for all items, and respectfully request your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was caught in a scam purchasing a puppy. I XXXX the breeder later realizing it was a scam. Never received the puppy and was a fake online. 
I filed the dispute with my bank immediately the same day. The woman on the phone told me I would have my funds 7-10 business days. From that period to the 10th business day I had spoken to 4 other associates who all told me I would receive my funds within that 10 day period. I called on the 10th and 11th day and was told I would receive the funds the following Monday ( yesterday ). I called yesterday the woman told me she wouldnt send an email to figure out where my funds are and would have an answer and the funds in my account by today. I called today. The first person told me they had no answer and no information. I called back. Spoke to a gentleman who told me that I wouldnt receive my money back. After weeks of battling this bank and being hung up on constantly, transferred over and over and over again, I basically got told to kick rocks and I wont see my money back. I was told by MANY people I would receive it back a week ago and never did. Even yesterday was told I would see it back and now Im getting a different answer. Im so frustrated with this bank I will never use them again and I will be discontinuing service with them. They are supposed to protect my money and yet they cant protect a scam on my account and then give me false information as to where and when I would get my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: U.S. BANCORP
State: CA

Complaint narrative:
We refinanced our US BANK mortgage with another bank, and U.S Bank has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called U.S Bank to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and XXXX are still showing US BANK accounts as " open ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
XXXX my Digital lfie account n # XXXX I have not lived at XXXX XXXX XXXX in XXXX since XX/XX/2020 I only owed them {$49.00}. I tried to log into pay bill but was locked ou because new owners had taken ownerhsip. now they are saying I owe them {$160.00} and was sent fraduelently to collecitosn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/2020 I purchased some XXXX printer filament on XXXX via my Chase Credit card through XXXX. On XX/XX/2020 Chase charged me a XXXX dollar cash advance fee. My purchase did not involve any cash advance. I was simply buying a product. At no point during the transaction were any financial services or fees mentioned. XXXX explicitly states that no cash advance fees will be assessed for this kind of purchase on their website, as described in the following link : XXXX XXXX XXXX Upon reviewing my bills for last year I noticed this fee, and have twice called Chase in an attempt to resolve this issue. They refused to remove the fee during both instances. I have read several online forum threads discussing this exact topic ; Chase or other banks charging a cash advance fee when an item was bought with one of their cards on XXXX through XXXX. Many posters in those threads stated that Chase DID refund the fee. I am disgusted about being charged for something that did not happen, and I am even more disgusted that I did not get equal treatment as other Chase customers. Below are a few links to online discussions about this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bepensa Capital, Inc.
State: PA

Complaint narrative:
This corporation is harassing me by attempting to collect an assumed alleged debt ( that is not mine ) constantly reporting on my consumer reports, without my written permission and no consent ... which is classified as identity theft by law. They are violating my rights as I am a federally protected consumer and I have sent many request for this abuse to stop. They are refusing to remove these inaccuracies from my consumer reports since I have requested this to stop as well, many times, more than once since XX/XX/2020. I still believe this is a violation and unfair act that " Credito Real USA finance '' is committing against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX account defaulted - coordinated with my bank to get funds that weren't there. Harassed and planned to ruin reputation and credit. The collection agency the account was opened in XX/XX/XXXX, it defaulted two years earlier in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I was recently in a forebearance program with my mortgage servicer ( SunWest Mortgage Co. ) I am fully caught up with all payments and attempting to re-enroll in their in-house auto payment program. Their loan portal shows me a message saying that I need to contact their customer service team to re-enroll in auto payments since I was enrolled in their forebearance program. This wouldn't be a problem but I can not get any customer service support. When I call I wait on hold for an hour then I am directed to an automated prompt telling me to leave a voicemail and they'll call me back. The call back never comes. I have also attempted to resolve this over their website 's online chat customer service and their own agents then tell me that i'll get a call back within 24 hours ... that never comes either. I find it odd and disconcerting because for a large company that has so many regional offices nationwide and who was until recently, so easy to contact and speak to an agent, is now impossible to communicate with. This seems highly suspicious to me in the way smoke makes me suspicious of fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX 2020, There was 3 large fraudulent wire to wire transfers done without my permission. In the amount of XXXX and XXXX and XXXX from 3 people I have no knowledge of knowing. I never met these people and never authorized these transactions. I closed out my old account and set up a new account. I submitted a fraud claim it was denied. I appealed twice and it was denied by Navy Federal Credit Union. I submitted a police report on XXXX XXXX 2020. The detective filed a subpoena with the credit Union. The issue is still not resolved. Ive also filed a XXXX report. Ive attached a copy of the 3 unauthorized wire transfers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Kia Motor Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Kia Motor Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX  Cc : 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 explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX went through a Bank of America drive through atm and tried to take {$1000.00} out of my edd prepaid Bank of America account. the atm malfunctioned and said door problems and could not give money So I went inside bank to use atm in bank for {$1000.00}. And it said I had reached my daily limit And could not get money so I asked to speak with branch manager to see where my money went while waiting I noticed another person in bank really upset about the same reason it had happened to her also so when they spoke with me they said there is nothing they can do for me to put a claim in and make a police report but the police would not take my report so days later they closed my account and said it was fraudulent and that I needed to be verified with Edd so i did contact Edd and get verified and then got a letter from Bank of America saying they closed the claim for atm malfunction {$1000.00} and freezes my account and said that edd freezed it so I contacted my assembly man XXXX XXXX to contact edd on my behalf XX/XX/XXXX the edd said everything was cleared Statement from EDD : Case Resolution Comments Now that the identity was confirmed on XX/XX/XXXX the payment for the week ending XX/XX/XXXX has been sent to authorization on XX/XX/XXXX and continued claim forms have been mailed to bring the claim current. 
Bank of America is still holding my money and has not refund me or released any money as Of 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 monetary relief
Consumer complaint received 2021-02-09 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: MD

Complaint narrative:
I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Flagship Credit Acceptance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX  credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Flagship Credit Acceptance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX Cc : 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 explanation