vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My mortgage is held by Fifth Third Bank. My homeowners insurance, paid to XXXX XXXX, is paid on an annual basis by Fifth Third Bank via escrow. Recently Fifth Third Bank changed the vendor they use to process insurance payments. I received a call from my insurer, XXXX XXXX, about 10 days ago, XX/XX/XXXX or XXXX  informing me that policy had not been paid and it had been billed on XX/XX/XXXX. I was unable to reach anyone at the bank as I was informed they were having system issues. I then called my local bank branch and spoke with the onsight mortgage agent, XXXX XXXX, who contacted XXXX XXXX at XXXX XXXX to request an invoice she could forward for payment. 10 days later, another call call from XXXX XXXX, and Fifth Third still has not paid the premium out of my escrow. A very confrontational phone call with Fifth Third agent named XXXX, and now, supposedly, a check is being mailed overnight to XXXX XXXX. It should not, in my opinion taken nearly 3 weeks for this transaction to occur. I am 5 days away from policy cancellation due to Fifth Thirds new vendor arrangement and subsequent inability to manage insurance payments from a new vendor. Fifth Third, at the corporate level, not the local branch level has been difficult to deal with. I have NO issue with XXXX XXXX, they have been very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
To Whom It Might Concern : I have a complaint against Discover Bank, located in XXXX XXXX XXXX at Utah. 
-- -- -- -- -- -- - Short History -- -- -- -- -- -- -- -- -- -- -- -- - 1. My name is XXXX XXXX You can reach me at ( XXXX ) XXXX. 
2. On XX/XX/XXXX and XX/XX/2018, i made a mistake. I issued an ACH transfer twice, and each time an amount of {$1100.00} was subtracted from my checking account at Discover Bank to pay my Visa credit card balance at XXXX XXXX XXXX. 
3. As the 2nd time of withdrawal, my account was bounced. Insufficient fee of < $ XXXX> was charged on XX/XX/18 and an amount of {$1100.00} was returned to my account on the same date ( Of course! ) -- -- -- -- -- -- - Important information below -- -- -- -- -- -- -- -- 4. On XX/XX/2018, without my request, Discover went out and debited the same amount of {$1100.00} from my checking account in attempt to pay my credit card at XXXX XXXX XXXX FOR THE 3rd TIME!!!!!. Note : The payment has NEVER taken place ....!!! because that there was NOT enough money in the account, ( that would result with a balance of < $ XXXX>. Please see attachment ) 5. On this date, There were 2 systematic errors : 1st error : the NSF has never recorded. 2nd error : It should reimburse me back the money of {$1100.00} that it took away from my checking account. 
6. So on XX/XX/2018. I called in, asked them why trying to pay a 3rd time, and I disputed the amount of {$1100.00}. 
7. So, The dispute went on investigation. And amazingly, Discover said the transfer made on XX/XX/2018 was VALID. So on XX/XX/XXXX, Discover came back and took back the disputed amount of {$1100.00}!!!! 

XX/XX/XXXX, I called XXXX XXXX XXXX to make sure and have them verified that they never received any money from Discover any time on or after XX/XX/2018! The trace that Discover people gave me was XXXX that was for the transfer on XX/XX/XXXX indeed! 

To DISCOVER BANK : If their investigation was GOOD by saying the transfer on XX/XX/XXXX was valid. What is its VALID trace ID? 
and where the money went after it got debited from my checking account? 

Finally, on XX/XX/2018. A rep at XXXX XXXX XXXX ( Mr XXXX at Illinois ) set up a conference call and we talked to two reps at Discover Bank ( XXXX and XXXX @ XXXX XXXX XXXX ). On the phone, XXXX XXXX verified that they did NOT receive any money from Discover on or after XX/XX/2018. Discover now back to investigation again! XXXX # XXXX Discover bank has been taking 2 months to investigate. That transfer from Discover to XXXX XXXX has never taken place! So, Return the money to me! 

Please help me to recover my money from Discover Bank. I appreciate your intervention and your help! 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 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: TX

Complaint narrative:
I have asked several times via fax, email and in writing for Equifax to remove a fraud alert off my credit report and update my address and basic information and they have refused. Its been over 6 months trying to fix this with them. Also, my account is locked and so is my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I am not sure of what actually happened. Ive been monitoring my credit lately and seen an account I was unaware of. Based on the details I cant even determine what type of debt this is and how did is get on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I was scammed by a person who said they would move into the apartment. They sent in a fraudulent check of XXXX and asked to be sent XXXX which was excess of the security deposit as a moving fee. I got a money order from TD bank ( XXXX ) And deposited to said persons account at XXXX XXXX on Friday XX/XX/XXXX. The original check has now bounced ( placing my TD bank account in negative ) and I am trying to get the sent money back and the criminal persecuted. 
The bank account the lost funds ( {$1600.00} ) were placed into was : XXXX XXXX Routing : XXXX Account Number : XXXX Swift code : XXXX I have all the receipts to support this. The money deposit transaction number into the scammers account was : # XXXX XXXX at XXXXXXXX XX/XX/10 at XXXX XXXX branch # XXXX XXXX XXXX XXXX , CT My bank ( TD ) has refused to cancel the money order and XXXX XXXX have not been helpful as well I have opened a case with the XXXX XXXX Police ( case number XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I have made several complaints about this terrible company. It is only a matter of reading all the comments by various customers to see what kind of company we are dealing with. 

Rushmore has a TERRIBLE reputation. You can never talk to a person who at least pretends to be cordial and not rude. For the most part, they are all rude. 

On Friday night at XXXX XXXX some woman XXXX calls me while I am driving. I am neither late nor behind. She is rude and threatens me while I am driving that I am late! That was XX/XX/XXXX! The due date is not until XX/XX/XXXX. Again yesterday, on XX/XX/XXXX which was my B day, I get another call from these horrible people which I actually hung up. 

They have been charging me escrow ; I paid more than XXXX dollars to VA department of taxation but they are also charging me again. I have told them that this amount is not right nor it is something I can pay because it is more than what I signed up for with another horrible company who sold my loan to Rushmore. I have the same demands as before : Lowering the total balance forgiving the XXXX late payments Lower monthly payment will be responsible for paying my own taxes An apology and returning the escrows they have charge me for months now. 

CFPB must take immediate action in helping customers like me who are being threatened and taken advantage of by who knows these investors and shark companies like rushmore. 

XXXX XXXX Here is what I read on line : This is just out of 66 complaints : Like may here, my loan was purchased by RLMS last fall and reading these reviews prepared me for the worst. As expected, my loan has had issues with on-time payment of escrow and their recalculation of escrow owned was laughably inaccurate ; just prepare for that if you've recently been transferred over. I will say that I was able to get on the phone with a person who, while them may not have been helpful, but were at least courteous to me. The good news is that I was able to send a fax to some number given to me from their customer service to have escrow account removed, my advice is to take as much of this ( PMI, escrow, etc. ) out of Rushmore 's hands as possible. It's been 10 months and my auto-draft payments also haven't been screwed up, so I'm on a roll!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I filed a complaint on XX/XX/2018 and it was closed on XX/XX/2018. I don't understand why my case is closed when the matter isn't resolved. Creditors Bureau Associates of Georgia claimed they have verify that I owed the amount, but refused to send me proof. 

I contacted XXXX County XXXX on XX/XX/2018 ( original creditor ) and they're not sure why Creditors Bureau Associates of Georgia is reporting that incorrect negative information to my credit file since they have already received payments for that bill. Also Creditors Bureau Associates of Georgia claimed they contacted me several times, that's another false information. I've called and write them, however I was unsuccessful. If and when they do contact me, I'd like them to leave a message so I can know that they called. Creditors Bureau Associates of Georgia is trying to collect funds for a bill that has already been paid. 

Attached are the following documents : Dispute Letter to Creditors Bureau Associates of Georgia, Response from Creditors Bureau Associates of Georgia, XXXX County XXXX bill, Check Payment to XXXX County XXXX, Notice of Payment to Creditors Bureau Associates of Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: ND

Complaint narrative:
On XX/XX/2018, I received a response from LexisNexis about the reporting of information about a bankruptcy reporting on my LexisNexis report. I have included this response in this complaint. I would like to make a few bullet points to dispute their response as I believe this reporting is an example of defamation of my character, and is negligent enablement of identity fraud. 

1. The address reporting on XXXX  for this bankruptcy is XXXX XXXX XXXX XXXX XXXX, ND XXXX. This is an incomplete address and I have never lived there. 
2. XXXX  doesn't report my full SSN on any court docs related to this bankruptcy. 
3. I have a XXXX  account and have PHYSICALLY VERIFIED the address reported as mine is incomplete and inaccurate, and my SSN is NOT fully reported on any of the court documents in this case. 
4. XXXX XXXX XXXX XXXX XXXX. is a SEPERATE COMPANY with a SEPERATE ADDRESS and PHYSICAL LOCATION then LexisNexis and it has not verified to me how it obtained this erroneous reported account, and it is NOT the original creditor, which by law, any agency must obtain any information about a consumer from an ORIGINAL CREDITOR. 
5. " Documents are not required in Mr. XXXX 's matter. '' Just another example of a LexisNexis form letter being sent out with mistakes being overlooked without any PHYSICAL VERIFICATION being done! 
6. Although bankruptcies are indeed a matter of public record, it is the duty of the CRA by FCRA law that the CRA must PHYSICALLY VERIFY the accounts being reported are 100 PERCENT ACCURATE and all information is CORRECT before placing them on a consumers credit report. If this isn't done, one could sell bogus, erroneous information to the CRA without it being VERIFIED as FACT. 
7. I have received no description of PHYSICAL VERIFICATION used to determine the ACCURACY and CORRECTNESS of information being reported to my LexisNexis account file, including business name, address of said business, and telephone number and contact persons name that furnished this information to LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i was a victim of a scam tats why bank of america did whats wrong with me n XXXX acct was paid ill like to dispute whats on my credit n there a lot of misreport on my file dispute I am requesting that this item be deleted / adjusted> in order adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 



Sincerely XXXX XXXX dob.XX/XX/XXXX add XXXX XXXX XXXX XXXX XXXX fl 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 2018-12-11 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:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX  removed. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

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 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have made several attempt in the past couple months to address this matter with Barclay and have gotten frustrated either with long delays or reaching a person that did not have a strong enough command of the English language to effectively address, nor remedy these charges. 

On XX/XX/18 I was billed {$410.00} ... I did not make this purchase. 
On XX/XX/18 I was billed {$490.00} ... I did not make this purchase. 
On XX/XX/18 I was billed {$430.00} ... I did not make this purchase. 

I need this {$1300.00} returned to my bank acct.

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 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was sent an email onXX/XX/2018 from my company email address who I thought was from my XXXX XXXX XXXX   with my company. He had asked me to purchase XXXX XXXX gift cards for our elite clients, 20 in the amount of {$100.00} each which is not unusual for our company around the holiday season. After, I was to scratch off the back and to send him the codes. I tried several stores but was unable to purchase them until I finally went to XXXX   at XXXX XXXX XXXX XXXX., where I was allowed to purchase the 20 cards in the amount of {$2000.00}. Instead of typing in all of the codes, I took photos of them and sent them by email to my XXXX, the real XXXX XXXX. Later I than called him to be sure he received my email and he had no clue what I was talking about and never asked for the codes. I then when back to XXXX to return the unused gift cards but they said they were nonrefundable but opened up a case and took copies of my DL and receipts. They said someone would contact me but nobody has yet to this day. So then I went home and contacted XXXX XXXX where they told me the same thing but they were going to have the incident investigated and get back to me but they have not yet either. I have a conformation email from my conversation with XXXX that Friday evening when I spoke with them right after it happened and they stated that the cards were never used and to contact my local police department to file a report. I also spoke with American Express from which I purchased the gift cards with, XXXX and XXXX XXXX  and they all said there is nothing they can do to help me get my money back. I still have the gift cards and they have not been used, I just need to somehow try to find a way to get the money back from either XXXX XXXX  or American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 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: GA

Complaint narrative:
I am a mortgage customer with XXXX XXXX XXXX. I paid my payment on XX/XX/XXXX, but it was reported lat to the credit bureau. I received a letter from XXXX and Signed Verification of Mortgage that it was corrected and that payment was made on-time. Then I filed a dispute with Equifax. They did not correct the issue and said XXXX had to. I called XXXX and they said that they sent an updated payment history. The next week I received notice from Equifax that the investigation was compete. It was not changed. The week of XX/XX/XXXX, I filed another dispute with Equifax to correct the issue. at that time they closed the investigation, did not make a change to the credit history, however, they then reported a second late payment on the account. I called to discuss my case, and they told me to fax a copy of the payment history from XXXX XXXX Loans. I sent that signed report and payment history during the week of XX/XX/XXXX. On Sat, XXXX I received an email that the investigation was complete. I then received a notice that my credit report changed on XX/XX/XXXX. They reported that they received from caliber was on XX/XX/XXXX. -which reported my last payment made in XX/XX/XXXX. They are now accounting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late payments. i then called Equifax to speak weith somneone in the dispute department. They told me that they only report what they receive from Equifax and not from me. I spoke with XXXX id # XXXX in the Escalation Department who  refused to allow me to speak to her supervisor, but said she would only transfer me to another supervisor in her department. I then spoke with XXXX id # XXXX who also refused to transfer me and terminated the call. 

I paid my XXXX Payment XX/XX/XXXX and XXXX and XXXX Payments XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief