vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
The company that I've been dealing with is Fifth Third Bank there was a bill taken out for them out of {$180.00} that was put in for a dispute the bank denied dispute and I had to redo this dispute after 34 days several overdraft fees and 700 hours out of my own pocket the issue was fixed now when I'm facing with this company is my account is way overdrawn I'm trying to catch up from their error when this happened and now they're refusing to take a payment plan for me to pay back the money to my checking account and will not dispute an item in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK MORTGAGE PARTNERS LLC
State: OH

Complaint narrative:
We are the sellers of this residential property : XXXX XXXX XXXX, XXXX XXXX, OH XXXX. The buyers, XXXX and XXXX XXXX, scheduled a private showing of the property within the first 72 hours it was on the market. They immediately made an offer on the property through their agent, XXXX XXXX with XXXX XXXX. Our realtors, XXXX and XXXX XXXX, presented their offer, including a pre-approval letter from XXXX XXXX ( XXXX XXXX ) with XXXX XXXX XXXX. Neither Ms. XXXX, nor Mr. XXXX, indicated that their pre-approval for an FHA loan was contingent upon the sale and closing of the XXXX ' current property. We asked our realtors if this was a contingent offer and they assured us it was not, as the information was not included in the pre-approval letter from Ms. XXXX. We accepted their offer on XX/XX/2019 ( the pre-approval letter was also dated XX/XX/2019 ). Our property was off the market for 6 weeks as we awaited closing on XX/XX/2019 ( title to be filed XX/XX/2019 ). The property did not close as the XXXX ' property failed to close and they could not have 2 concurrent FHA loans. The buyers requested an extension of the contract and we countered with a request for our expenses on that property to be paid and earnest money to be relinquished to us on the extension date of XX/XX/2019. The buyers refused. We declined to extend the contract which would extend our risk of not closing on the property for another 4 weeks. Our realtors contacted Ms. XXXX on or about XX/XX/XXXX to find out what happened with their pre-approval. At that time, Ms. XXXX admitted that the XXXX ' loan was in fact contingent on the closing of their current property, but, she said, they anticipated the property would close ; however, that transaction never occurred and Ms. XXXX 's assumption and lack of transparency cost us valuable time to market our home to more qualified buyers. A second correspondence from Ms. XXXX, via email to our realtors on XX/XX/2019, was a rambling dismissal of her culpability, denying she falsified their pre-approval letter. We were deceived, tricked, and defrauded of the opportunity to make a fully-informed decision on the sale of our property by MsXXXX XXXX. This unethical practice cost us 6 weeks of marketing our property for sale to a qualified buyer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: IL

Complaint narrative:
Credit reporting agency continues to report fraudulent information on my consumer credit report, even after submitting several FTC identity theft reports.

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 2019-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
I had a lease with auto trakk llc and my car got totaled out. Auto trakk llc told my insurance that i owed a balance of XXXX dollars and some change, but on my credit report it was reporting something different, even the lease supposed to be for 48 months but it was reported 56 Months this has been reporting like this since i had the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
My loan was originated and serviced by TMS in XXXX of 2019 and then sold to XXXX XXXX in XXXX of 2019. I have made a payment to XXXX XXXX on XX/XX/2019 for XXXX using my bill pay from checking account and the payment was received and reflected on the account/statement. On XX/XX/2019 my loan was transferred back from XXXX XXXX to The Money Source according to an official letter that I received from XXXX. I have made a bill pay from my checking account to XXXX on XX/XX/2019 but the payment was rejected due to the transferring process, so I have made a payment to The Money Source on XX/XX/2019 after the transfer was supposed to be completed. When I called TMS to confirm the payment was received they claimed my loan was never received from XXXX and told me to make a payment to them, I had to email them letter from XXXX to onboard my own loan. Once they onboarded my loan they stated they dont have my XXXX or XXXX payment, I had sent TMS multiple documents showing that payment for XXXX was made to XXXX and that I have sent payment to TMS on XX/XX/2019 using bill pay. After 2 weeks they finally found the payment that I made on XX/XX/2019, but applied it to XXXX. I have been waiting for them to research for more than 2 weeks that I have made my payment to XXXX for XXXX. In the meantime they sent me a delinquency letter and put a mortgage late on my credit report. Both of which are erroneous. I have spoken to XXXX XXXX, XXXX, and XXXX from servicing of TMS and they are saying that the issue is being research. While they are researching the issue they are issuing false mortgage lates to credit report and delinquency letters. There is a 60-day waiting period to issue any sort of delinquency after a transfer of the loan has occurred and TMS has grossly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
This is Attorney XXXX XXXX. I represent XXXX XXXX, the homeowner. He is in the process of selling the property. I have attempted to obtain a mortgage payoff statement 5 times with no cooperation from PHH Mortgage. 

The borrowers are XXXX XXXX and XXXX XXXX. The property is XXXX XXXX XXXX, XXXX, Massachusetts XXXX. On XX/XX/XXXX I used the automated payoff service to order a written payoff statement. They said I would have the payoff within 3 hours -- no payoff statement arrived. I called again on XX/XX/2019 and did the same. No payoff statement arrived. 

On XX/XX/XXXX, I talked to a customer service representative. He said that PHH Mortgage would expedite the payoff. No payoff statement arrived. 

On XX/XX/2019 I talked to another customer service rep. He told me that we needed to obtain an appraisal of the property -- this was my 4th call but the first time any representative had mentioned the appraisal. On that same day, I faxed an appraisal to PHH Mortgage. 

I called back to PHH on MOnday, XX/XX/2019 to find out where the payoff statement was. PHH then claimed to have NEVER received the appraisal that I had sent them. 

It has now been 2 weeks, I can not sell the property, and I am paying additional expenses to continue to hold the property off the market. PHH seems determined to string this along so that they can collect more interest on this loan. 

PHH 's behavior has been unethical and has caused expense and additional attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCB Investments LLC
State: IL

Complaint narrative:
This is my third complaint through CFPB for this company that has been reporting information on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On Thursday XX/XX/XXXX I purchased 2 tickets to an event from a 3rd party who was selling tickets. I used XXXX through my Chase bank account to make the transaction for {$980.00} to any XXXX XXXX who supplied me with a driver 's license and a XXXX account under his name. After one day of silence and no correspondence I came to the realization I was being scammed. After calling my bank and reporting the fraud. Chase customer service and fraud Dept. Did not even try to help me recoupy funds. To have a service available from a bank and not have any type of protection from such things is a big disappointment. Further more not even trying to help someone that has been a chase customer for over 10 yrs is what disappoints me the most. XXXX should not be an option for true banking customers if there isn't anyway to protect it's customers from predatory scams and fraudulent behavior. Truly disappointed in Chase and it's customer to help rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( Experian, XXXX and XXXX XXXX ) for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I explained the above by way of notarized letters ( attached ) mailed ( certified ) to Experian, XXXX and XXXX XXXX on XX/XX/2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.

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 2019-08-05 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: IL

Complaint narrative:
This is my third complaint through CFPB for this company that has been reporting a collection from XXXX collection agency on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe

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 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
I have tried on numerous of occasions to first, find out what debt this is ; secondly, educated to them that this was caused by Identity theft. I have produced countless letters from the Bank itself as well I mine, to include a claims submission in the regards of " Midland Credit Managemnt , Inc Telephone Consumer Protection Act Litigation Settlement. 

I was robbed at a gas station in XXXX XXXX, KY ( police report was filed ) in XXXX. From there, my banks accts were taken and numerous of accts and credit cards were opened in my name. All were dismissed, closed and fraud alerted ; except this. I have proved time and time again that this is a fraudulent account. I was divorced in XXXX, and closed every credit card down that me and my spouse had as well as any joint accts. I bank with XXXX XXXX  and have been since my return to the US in XXXX of XXXX. This company and XXXX have REFUSED to tell me what this is, ( either an acct opened or a credit card ) REFUSED to provide documents, but only have said this is a XXXX  XXXX XXXX deal. I have called XXXX XXXX XXXX and have letters stating I have NEVER had an account or credit cards through them. They have SENT letters to me as well as to Midland Funding, LLC and XXXX. They BOTH say they have never recieved. Last year, they literally garnished my bank acct, and my daughter 's, I had to fight to get that back as I am a single parent, and that had funds for rent, bills and food, ( see Claim of Exemption letter ).  I have resent NOTARIZED papers they have sent me regarding the fraud acct, as well as the letters from the bank. They are now trying again to garnish my pay on something that IS NOT MINE, never was. 

This is harrassement, added stress, has my job in jeopardy, these are the points that red flag this : The second page that has the notary signature says that judgment has been entered. 
-Has a court judgment been made? 
-South Dakota Codified Law 21-18-3.1 states that " Garnishment prohibited before judgment. Garnishment prior to obtaining final judgment in the principal action is prohibited. 
-The document has a Court File No. however there is no indication that the document has been filed with a court ( such as a clerk of court signature ) This is a list of all the facts of my case : -Victim of ID Theft -Have filed an ID Theft Affidavit with Midland -Filed a claim of exemption -Past actions have been released -Unaware of a judgment -Attempting to Garnish without a judgment -past the statute of limitiations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX transunion and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.

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 2019-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
My job I was employed at for XXXX years closed their doors at the beginning of XX/XX/XXXX. As a new single mom ( divorced in XX/XX/XXXX ) I struggled living on unemployment to pay all my bills as well as keep mine and my daughters head above water and fed. It was the biggest struggle of my life. I am finally back to work and on the right track. I am making good of all my debt that was last due. I went 60 days past due on my Old Navy Credit Card and made the payment of {$100.00} to get my account current. The day my payment posted they closed my account. They were very generous with waiving a late payment fee on the account previously but I really wanted to keep this account open as my daughter loves old navy and we always buy her clothes there.

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 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: AR

Complaint narrative:
I purchased my home in XX/XX/XXXX. One Month later the bank transferred my loan to XXXX XXXX and they increased my payment to XXXX from XXXX. I'm on a fixed income and this was a shock however I paid it. In XX/XX/XXXX, I was notified by XXXX that XXXX hadn't paid the house Insurance and if I wanted to keep my car and house Insurance, I would need to make a XXXX payment for XX/XX/XXXX. At the same time, XXXX sent a statement to me that I would need to pay XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to offset a deficit in the escrow. Being on a fixed income I had NO WAY to pay both XXXX and XXXX in the same month. I couldn't didn't have that much coming in. I started looking for a part time position to help supplement my income. 

I paid XXXX for XX/XX/XXXX. Kept my house and car Insurance. In XX/XX/XXXX, I contacted an Arkansas Credit Counselor in which she helped me try to straighten out what was going on with XXXX XXXX and why XXXX wasn't getting paid. After 2 weeks of calls with both her and I on the phone with AmeriHome we find out that 2 (  twice ) XXXX had sent XXXX a check to pay for the Insurance however without my Account number on it!! So each time it was returned. Because of XXXX demands that I pay XXXX for 3 months due to their error, it went unpaid due to lack of funds. 

Midland Mortgage took over my account and I also took in a roommate to help with that note. I had XXXX  XXXX in late XX/XX/XXXX which didn't help matters. 

I began to pay the XXXX. After those 3 payments were past, I began paying the XXXX a month payments while being considered for a FHA Home Affordable Modification loan. I kept my payments coming in. 

In XX/XX/XXXX, I was notified that my application was approved. And payments of XXXX would need to be made from that point on til XX/XX/XXXX. Which I completed. 

I was notified in XX/XX/XXXX that I was approved for the FHA Affordable Modification Loan Program to be effective XX/XX/XXXX. Payments of XXXX. All would be caught up and a zero negative balance. 

XX/XX/XXXX and XX/XX/XXXX are paid. My credit report should reflect this. 

My Credit report states that I did not make my mortgage payments at all. Lord knows I did. I need to have this credit showing. 

I have included all of my receipts for the payments that I made. I realize that I was behind from not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however with Midland Mortgages help I was able to get back on my feet again. One does not set out to purchase a home to just lose it a year later. 

Thank you for your time. God Bless

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 2019-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc.
State: NC

Complaint narrative:
On XX/XX/272019, I requested Nicholas Financial to send me any documentation via mail that legally allows them to report to my credit report.  I have yet to get a reply to this letter.  I sent an additional request for the same information on XX/XX/2019, and again, received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: GA

Complaint narrative:
To whom ever this may concern : In XX/XX/2018 I disputed incorrect information being reported on my credit report by XXXX XXXX. I provided letters to XXXX, XXXX and Experian, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, XXXX XXXX was recently deleted from these reporting agencies. I have made several attempts with Experian months prior too as well. Experian has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.

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