vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2019, I had 8 pending charges ranging from {$0.00} being the smallest to {$140.00} being the largest. The attached statement from my online banking account will reflect that the balance of my account beginning XX/XX/2019 was {$110.00} after the first entry for that date was credited as a deposit of {$55.00}. The overnight reorganization and posting of debits/credits occurring on XX/XX/2019, reflect that the {$110.00} covered 7 of those pending charges with an ending balance of {$48.00}. The last of those pending charges remained pending on XX/XX/2019. On XX/XX/2019, Regions Bank assessed 6 overdraft fees associated with the 7 charges that posted that day at {$36.00} each, resulting in fees in the amount of {$210.00}. On XX/XX/2019, Regions sent a notice with some kind of reorganizing debit math formula to validate their {$210.00} worth of fees that they claim are overdraft fees for their payment of the 7 charges on my behalf. However, the online banking statement clearly shows that those 7 debits were paid with my own money, leaving a balance in my account of {$48.00}. As of XX/XX/2019, there was still a pending charge for {$140.00}, which had not yet posted, but for which 1 overdraft fee should be rightfully incurred once the pending charge is actually posted to the account. It seems unethical to me that a bank can assess overdraft charges based on a pending payment that has not yet posted and claim that the pending payment caused charges that previously posted to overdraft the account when there was a {$48.00} balance in the account after those charges had posted. I thought this may perhaps be an error, so I went to a local branch of the bank where a teller attempted to explain that the pending charge of {$140.00} was posted to the account before the other 7 charges, which caused the 7 overdrafts, but as a courtesy they only assessed 6 overdraft fees. A courtesy? Every single one of those 7 charges were paid with my own money with a positive balance left over, for which they charged me {$210.00} in overdraft fees, but it was a courtesy to me that they only charged for 6 and not 7? As my online statement clearly reflects, the other 7 charges were posted to the account before the {$140.00}, as the charge for {$140.00} remains pending as I write this complaint. The teller was not able to provide any printout or evidence other than her word that the {$140.00} charge posted before the other 7 charges that were posted on XX/XX/2019, nor was she willing to refund any of the fees. The only evidence that exists of the posting order of the charges on XX/XX/2019 is the online statement I have attached hereto, which shows 7 debits posted with a balance of {$48.00} and a pending debit of {$140.00}.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Motor Finance has a collection on my credit file being handled by XXXX XXXX  XXXX. I made an arrangement to settle the debt with XXXX where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against Kia Motor Finance because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL

Complaint narrative:
On XXXX XXXX, 2019, the property associated with this mortgage was placed on the market to be sold. On XXXX XXXX, two days later, the property was placed under contract with the closing date set for XX/XX/2019. At this point, the lending agency, Rushmore, was contacted to ensure closing protocols were in place. An inquiry was made concerning the upcoming XXXX mortgage payment. We asked if the final payment that would be made upon closing would suffice in lieu of XXXX 's mortgage payment. We also asked if this would create a negative report on our credit. We were assured by Rushmore that the final payment upon closing would be acceptable and that no negative report would be made showing a missed payment. As such, a final payoff amount was requested to complete closing paperwork. However, Rushmore failed to submit the final payoff as requested by both the loan holder and the closing attorney. This resulted in a delay in payment. Upon closing, the closing attorney secured an anticipated payoff amount from the purchasing lending agency and held all funds awaiting Rushmore 's response. Numerous requests were submitted by both us ( the loan holder ) and the closing attorney. We were informed by Rushmore that the payoff amount could not be emailed nor provided over the phone. It had to be faxed, which they failed to complete. After weeks of repeated attempts, the secured payment that was being held was finally made and we were assured that any overage would be reimbursed. In addition to the delay, Rushmore, in turn, reported missed mortgage payment ( s ) causing a negative impact on our credit score. As of recent, we are still receiving notices and mail at our current address offering assistance with our missed mortgage payment ( s ). This is quite disheartening since the advanced notice was provided. We have never missed a mortgage payment. Throughout the duration of this loan, we have included additional money in attempts to repay this debt in advance. We have worked hard to maintain an upstanding credit history and feel that the reporting and current credit score does not reflect the efforts we have put forth. We have contacted Rushmore on several occasions and have been assured that our file will be noted to reflect the most accurate information. However, little effort has been made on their behalf to depict accuracy in this matter. We are requesting reparation be made to ensure our credit score to repaired to reflect our diligence towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2019, my wife 's wallet was stolen from her office. She called USAA and all the other credit companies immediately to report her wallet/card ( s ) stolen. USAA turned off the wrong card. We began relieving text alerts of suspicious charges which we immediately called USAA to report as unauthorized. At this time they assured us the card was turned off and no further charges would be authorized. However, we continued to see charges populate on the turned off card. We called back, they again assured us the card ( s ) were turned off and we would not be responsible for the charges. The charges in dispute were taken off our account and days later they were put back on. We were told we would be responsible for the charges, as the USAA fraud committee determined that since, 'the thief used the chip on card, it can not be fraudulent and we are responsible for the charges '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SIMM Associates, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has a collection on my credit file being handled by Simms and Associates. I made an arrangement to settle the debt with Simms where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against XXXX XXXX XXXX because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
ID FRAUD VICTIM. FRADULENT APPLICATIONS HAVE BEEN USED TO GAIN CREDIT AND OTHER ACCOUNTS IN MY NAME. FILLED XX/XX/XXXX FOR  SEVEN YEARS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: GA

Complaint narrative:
For some reason there is a bankruptcy that is reporting on my credit file in error. I have contacted the credit agencies to dispute this issue and they refused to remove this inaccurate reporting from my credit file. I contacted the courts to ask if they submitted this erroneous information to the credit bureau and they sent me a response stating that they do not provide information to the credit agencies. Please assist me in getting this erroneous information removed from my credit 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 2019-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I purchased the house in XXXX for {$560000.00} and had no issues paying the mortgage until I was XXXX and my livelihood was taken away from me. 
I filed for a hardship starting in XXXX of XXXX to modify my loan with XXXX XXXX XXXX due to my business being fairly new and income low. 
The current loan and PMi payments are {$4200.00} which also includes taxes. I could have afforded a payment of {$2800.00} to $ XXXX  monthly had they approved by initial request for a modification. Instead they declined for whatever reason. 
We started a second modification process in XXXX, and I submitted a full file with P & L, bank statements, and after a long review in XXXX they declined stating that I didnt make enough money. 
We appealed again in XXXX and they declined. 
In my p & L submissions, I have had the ability to pay the modified loan amount, but the lender declined because I have significant equity in the house My total outstanding loan today is {$570000.00}, which includes 14 months of payments that have not been paid and the house value is {$750000.00}  Declining the modifications is predatory lending because I followed the process and if they had modified the loan in XXXX, I would have been current on all my payments, but they kept delaying it and eventually declining

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 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
Back in XX/XX/XXXX I had an unexpected problem with my electric bill and got behind on my mortgage. We live on a fixed income. When I called Mr Cooper to see what I could do to correct the problem all the woman talked about was a modification. I had just gotten one in XX/XX/XXXX and was doing fine and knew I would not get another. I explained to her very clearly that I don't have a computer, printer or internet and would need papers mailed to me. All she said was I'd get them in a week to 10 days. Never saw any. Called and asked again. Same thing. No papers. Finally third time she says oh we can't mail forms just the tax form. Meanwhile months have gone by. Getting more behind and won't take any paynents. On my own I finally figure out how to download forms on my cell. Then find out how to fill them in on my cell. Took weeks because print is so small. At no time does this person tell me about refinancing or loan repayment plans only modification. After getting all paperwork in she wants a letter about taxes and then a letter saying not to use my husbands info. When I later asked her about this she denied it. Turned down because of not enough money. Now two years later and still can't get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
DEBT WAS DELETED FROM XXXX ON XXXX AS RESULT OF IDENTITY THEFT. IM ASKING THAT THIS DEBT BE REMOVED FROM " ALL '' CREDIT REPORTING BUREAUS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I HAVE FILED A PREVIOUS COMPLAINT AND I DID GET A RESPONSE BACK FROM THEM HOWEVER THEY ARE BEING EXTREMELY BIAS IN THE RESPONSE INDICATING THAT WE MUST START THE APPROVAL PROCESS OVER AGAIN WHERE THERE MAY BE A CHANCE WE WONT GET APPROVED FOR SOMETHING THAT WAS NOT OUR FAULT, THEY FAILED TO SEND THE ACTUAL CONTRACT WITH THE APPROVAL LETTER AND AND IVE MADE EVERY POSSIBLE ATTEMPT TO CONTACT THEM AND GET SOMEONE TO LISTEN TO ME. WHILE THEY CAN NOT PROVIDE ANY PROOF THAT THEY DID IN FACT SEND THE CONTRACT, THEY DO NOT BELIEVE I MADE ANY ATTEMPTS TO CONTACT THEM OR SEND THEM THE LETTERS STATING THEY HAVE NO RECORD OF THEM, I DID NOT SEND THEM REGISTERED MAIL BUT NEITHER DID THEY AND YET THEY ARE CHOOSING TO NOT BELIEVE ME BUT EXPECT ME TO BELIEVE THAT THEM, THIS BIAS ATTITUDE LEADS ME TO BELIEVE I HAVE NO CHANCE AT ANOTHER REPAYMENT PLAN AND FEEL LIKE THEY ARE DISCRIMINATING AGAINST ME. THEIR COMPANY HAS BEEN CHARGED WITH EXTENSIVE VIOLATIONS AND HAVE PAID MILLIONS IN FEES DUE TO THEIR ILLEGAL ACTIONS AND YET THEY ARE INSINUATING THAT I HAVENT DONE WHAT I SAID I HAVE DONE, THE ADMINISTRATIVE OFFICE WAS RESPECTFUL ENOUGH TO SEND CORRESPONDANCE REGISTERED BUT THIS OFFICE CONTINUES TO SEND MAIL UNTRACKED, LEAVING NO RECORD OF HAVING SENT ANYTHING AT ALL.i NEED TO DETERMINE THE DISCRIMINATORY NATURE OF THEIR ACTIONS AND INTEND ON FILING CHARGES WITH THAT AGENCY IF THEY DO NOT STOP ACTING IN THIS BIAS MANNER AND CHOOSING TO BELIEVE WHAT ONLY BENEFITS THEM WITH NO PROOF TO BACKUP ANYTHING THEY ARE SAYING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted the Department of Education for questions regarding the balance of a wage garnishment I was assigned. I was told the debt is no longer handled by the DOE, and was given the phone number and referred to a company by the name of " Coast Professional, INC '' as they are now responsible for the collection of the debt. I contacted " Coast Professional, INC '' to check the balance with them and was told my remaining debt is a {$12000.00}. Here 's where the issue is, I asked them for the original balance, which is {$12000.00}. As of XX/XX/XXXX, my YTD payments will be {$1600.00}. The garnishment began on XX/XX/XXXX and in that year, {$2400.00} was paid in garnishments, giving a total of {$4000.00}. I spoke to a representative and asked if someone could give me any type of explanation as to where the money taken from me has gone or is going, and at the time he stated that the information was not in front of him, that it could be possibly due to interest and fees, and offered to transfer me to someone who could possibly give me more information. I was placed on hold, hung up on, and my number was blocked from returning a call. I tried several times to redial the number to no avail, then dialed a friend of mine for them to contact them in a three way call and the call went through. The representative that answered looked through the information on my account and saw that there is a discrepancy as well. This representative stated he would get a manager to talk to me about what was going on and was hung up on once again. I believe my funds are being misappropriated.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: CA

Complaint narrative:
In XX/XX/2018, Tek-Collect , Inc. ( on behalf of XXXX XXXX ) reported a negative collections account on my credit reports. I paid this balance in full months before in XX/XX/2018 before it was sent to the collection agency. I tried working with the XXXX XXXX several times on this matter - at one point they confirmed that the amount was paid in full and that they would contact the collections agency to confirm that the account should be closed. I even tried calling Tek-Collect, Inc. and left several messages but never received a response. Eleven months later, I am still dealing with this as it continues to show up in my credit history. I would like this removed entirely from my credit reports and want confirmation from XXXX XXXX and Tek-Collect, Inc. that this matter is settled in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2019 XXXX I tried using an ATM in XXXX ( I had a travel alert on my card ) and the ATM took my card, acted like the transaction went through and no money or receipt came out. I filed with my bank ( chase ) a claim ( XXXX ) and it was denied saying I received the cash. This is incorrect. They are now demanding I give proof that I didnt get the money, which is impossible due to the ATM never giving me a receipt and just going back to the home screen after not dispensing the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
I was divorced on XX/XX/2019. 

My ex spouse 's credit card debt is inaccurately appearing in my credit report and damaging my score currently. I was an authorized user during the marriage and I have been removed from those credit Cards for XXXX XXXX XXXX, XXXX and XXXX for over $ XXXX in debt to himself. 

This information is now fraud as this point and I want the credit bureaus to remove this immediately. I have contacted them and they have told me to submit additional information which is a stall tactic it help address the issue now. 

I will seek damages for FCRA on the state and federal level if I do not get this remedy. 

I can provide the Divorce Decree stating separation of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have lodged multiple disputes with Cach LLC ( original creditor XXXX XXXX XXXX  ) beginning on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed this account as I believe it is not reporting in accordance with Consumer Protection Law ( FCRA and FDCPA ). During this time I have also lodged disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I need help with my Mortgage It was with XXXX XXXX   when I started this my Husband XXXX passed away and i wanted to have the payments put in my name we have lived here for 30 years and i have nowhere to go They ask me to send in Certificate of death and was told i could not make payments till it was fixed from there they ask me to send in a lot more paperwork over the next few months. 
They said we were all set and then the Loan went to SPS mortgage they said they knew nothing and i needed to start sending them a lot more paperwork also they had me go the County and get all the Deed paperwork and Letters of Authority so I did and sent them months went by of more paperwork sending and a few weeks ago they said now we cant help you because you gave up the home in the bankruptcy 10 years ago. I kept telling them we never did that we always Reaffirm the Mortgage and have been paying for the home we went back and forth for weeks on this they said they had paperwork to prove this and started to sell mt home Sale date XX/XX/2019 I called legal help line and told me to go downtown to the United States Bankruptcy Court and get a copy of the paperwork so again I took the day and spent the money to get this paperwork and sent it to them showing we did Reaffirm the home. 
Now they are looking into this and the Sale Date is still on my home Please Help Me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation