vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA Compass Bank Violations of H.R. 1261 Overdraft Protection Act of 2013 SEC. 4 FAIR MARKETING AND PROVISION OF OVERDRAFT  COVERAGE PROGRAMS. 

SS 140 B. Overdraft coverage program disclosures and consumer protection ( c ) Each depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sales transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. 
[ I, the consumer, never gave consent to overdraft protection nor was given opportunity to opt-in or not. ] ( d ) ( 1 ) ( A ) CONSUMER DISCLOSURES. - Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution- that- the consumer may be charged for not more than one overdraft coverage fee in any calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account ; [ I, the consumer, have been charged 16 times in 2 months! Even if I did consent, they are exceedingly over their limit.that they can charge per one account. ] There are many more violations. However, I will stop there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement.  XXXX XXXXXXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXXXXXX XXXX error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

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 2019-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

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 2019-04-03 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: DC

Complaint narrative:
In XXXX at the age of XXXX I was allowed to get a credit card from XXXX XXXX. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 )  APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
I have repeatedly requested clarification from Statebridge Company as to their charging of {$370.00} per month for what they claim to be escrow. Statebridge had been charging me for forced placed insurance since XXXX, according to their response to the CFPB complaint, although I have never been without my own insurance for the property in question. I had faxed proof of insurance to Statebridge, to a fax number they provided but later claimed to not be associated with. The same number ( they claim to have no association ) is currently being used by them so their claim to not have received my faxed insurance docs is false. Statebridge eventually acknowledged receipt of insurance coverage and stated they would be sending a check to me for the fees they wrongly charged. In a conversation with team lead, XXXX, the amount of {$1700.00} was quoted by XXXX to be the amount of the payment they sent on the XXXX of XXXX. 
The XXXX and XX/XX/XXXX mortgage statements I have received show an amount of {$5900.00} ( approximately ) as the current balance of my escrow account. This amount is in excess of the amount needed to cover my property tax for the entire year. Although my escrow balance is approximately {$1700.00} more than needed to pay my taxes for the year, Statebridge continues to assess me {$370.00} for taxes ( funding the escrow account ). The {$1700.00} payment claimed, by XXXX, to have been sent to me on XX/XX/XXXX has still not been received. 
On XX/XX/XXXX, I received an email from Statebridge Team Lead, XXXX XXXX, claiming to have forwarded my inquiry regarding the escrow charge and missing payment of {$1700.00}. To date, I still have not received the payment or an explanation for the {$370.00} monthly escrow charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i recived notice from XXXX that my account was comprimised and that a transation was made and that they froze it and took care of, however looking at my bank statement on my debit card i noticed that the transation had cleared and that i never got refund, i notified XXXX and was told it was the frade transation and it would be removed, a week later it's still there and is showing as cleared, XXXX refused to refund, i sent several emails to XXXX XXXX and XXXX and never get a reply back and there refuse to take care of it even though on a record line they said it was the frade charge, i have proof the transation cleared and proof i never got a refund for it. 

The bank said only way to dispute this is to close the card and mail me a new card but i work in the feild traveling for work so i can nto go without a card so i have no choise but to either take the loss or have XXXX refund, XXXX is refuseing to refund. That charge amount is abnout XXXX and cleared on the XX/XX/XXXX and was charged on the XX/XX/XXXX. there is also XXXX orders in my account for this amount or dates. 

i want my money back ASAP.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I used an attorney to pay off credit card debt after divorce. I paid off XXXX XXXX bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately XXXX XXXX has placed a lien on the mortgage, despite the account being completely paid off.

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 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bristlecone, Inc.
State: VA

Complaint narrative:
I got this loan for XXXX I made a couple payments on it before I ended up out of work due to medical reasons. I called to explain this the loan was actually a lease on a puppy. When I spoke to them the lady said if I could care for the puppy I should be able to pay my loan. The loan eventually was put into collection and now is totally XXXX. This is outrageous is there any thing we can do. I feel as if I have been taking advantage.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IA

Complaint narrative:
Identity scammed in XX/XX/2017. Notified XXXX and the others, filed police report and complained to the bank US Bank.Cleared the overdraft charges with XXXX XXXX XXXX XXXX and paid out of pocket. Nothing was done to satisfy the other damages to discredit my name. 
A title Loan was satisfied by taking my auto ; but, my credit was not cleared. Other evictions on my credit were appealed with little success ; however, the incident is over 12yrs old and should have been cleared.

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 2019-04-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX my father took out a reverse mortgage with XXXX XXXX XXXXXXXX. The problem is that I was already om the deed as a joint tenant when XXXX XXXX issued the loan. Mrs. XXXX, ( representing XXXX XXXX XXXX ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 

In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 

Fast forward to XXXX. XXXX XXXX ( also known as Nation  Star, and Mr. Cooper Mortgage ) is  suing me for quiet title to my home and judicial foreclosure. 

HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for XXXX XXXX stop collection efforts and pay XXXX taxes. 

I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX sons, my XXXX daughter-in-law, and my XXXX-year-old grandson.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MT

Complaint narrative:
I finished XXXX school in XXXX of XXXX and began paying my XXXX school loans ( all Federal Direct loans ) in XXXX of XXXX. I am a XXXX XXXX in the Public Service Loan Forgiveness program and thus my servicer is Fedloans. 

In early XXXX I applied for reduced student loan payments based on my income. I selected the 'PAYE ' repayment plan. When Fedloan processed my application on XX/XX/XXXX, they determined that I was not eligible for the PAYE plan. In this situation their procedure is to place the applicant on the plan with the lowest monthly payment that they are eligible for. That plan should have been REPAYE, which caps payments at 10 % of discretionary income. Instead I was placed on IBR, which capped my payments at 15 % of my discretionary income. I have stayed on IBR since then, making my monthly payments. This means I have been paying approximately {$200.00} more per month than I should have. 

I contacted Fedloan by phone today and spoke with XXXX, with the employee ID of XXXX. She acknowledged that they made " a processing error '' and she acknowledged that, on XX/XX/XXXX, the plan with the lowest monthly payment that I was eligible for was REPAYE. She said that she would put me on REPAYE starting today. However she says that it was my responsibility to select the correct repayment plan initially and therefore Fedloan will not refund me the additionally money I paid over those years as a result of being placed on the IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TX

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OR

Complaint narrative:
Have a mortgage through SunTrust. This mortgage is paid by a direct draw from my bank account. 

XX/XX/XXXX to XXXX XXXX- I changed the bank account for draw. Was drawing from NC XXXX XXXX 's XXXX XXXX. Now using XXXX. This change took 3 phone calls totaling over 8 hours. 

XXXX XXXX- SunTrust draws mortgage payments from both accounts. I am confused on timing of old and new draws, so I think this may be appropriate. XXXX draw XXXX for {$1400.00}, XXXX on XX/XX/XXXX for {$1500.00}. 

XXXX XXXX- Email from SunTrust that NC XXXX account is to be charged {$1500.00} in XXXX. This is the old account. Call SunTrust today XXXX to clarify and stop withdrawal. They deny responsibility. Say there is no way old account is being taken from. Report they have no ability to review their emails to customers. They are unable to account for the withdrawal on XXXX and deny that it occurred. They demand that I provide " proof '' that they took my money, but are unable to identify what form of proof will be acceptable. 

I have bank statements showing both withdrawals by SunTrust. I do not believe the email advising of the pending withdrawal is spam or phishing. It is identical to standard SunTrust emails sent in the past advising me of draws pending on my account. 

I believe this is a large corporate bank committing fraud.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
Ms. XXXX, Your statement isn't quite true or accurate. IF my loan was, according to you " intended to be boarded '' by the XXXX XXXX, IL office all along, why did you in route documents and payments to XXXX, XXXX, CA?? You do realize NONE of the payments I make go to XXXX XXXX, IL, but to XXXX TX!!?? I don't know about you, or your organization, but in my business, I don't route payments to XXXX, or XXXX, when the payment and all documentation is in XXXX! I want / have the payments sent directly, straight to XXXX ... that's called efficiency! 
Your response fails to mention or acknowledge the MITIGATION documents sent to me by YOU ... XXXX XXXX, IL by XXXX XXXX!! ( Where the loan and documents are " boarded ''!! ) Those documents were dated XX/XX/XXXX.! 
Please explain to me ( AND to Mr. XXXX ) WHY I am receiving from you, loan and personal information in an UNSEALED envelope, ( included in your communication to me ) Mr. XXXX XXXX XXXX of XXXX, GA XXXX Loan # XXXX!! ( I only included the last 4 numbers of the loan ) ... I may be mistaken, ( but I don't think I am ) ... it is against the law to disclose someone else 's personal and loan information ( unless they give you permission )!! 
I just wonder, who's received my personal information! Once again, because of your lack of professionalism I am having to refinance at great cost to me, another loan from your organization! Doing business with you is extremely costly, Dovenmuehle/XXXX XXXX XXXX! This now makes 2 loans, 4 sets of documents, inspections, filings of documentation, and titles documentation that you should reimburse me for!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed the reporting of the US Bankruptcy court filing with Experian 4 times and again today for the 5th time. Experian has done a reinvestigation into the dispute but has refused to provide the contact information for the verifier of the Bankruptcy filing. Experian continues to list the source as the US Bankruptcy court however the  Court has provided in writing that they do not verify the case filings, nor do they have a department that does such verification. The use of electronic verification and third party vendors is prohibited from validation sources. It must be the source the US Bankruptcy court itself. I have supplied the attach documents to Experian, Spoke to 2 supervisors and 3 agents. The item is still being reported with no  information released as to how the verification was completed, who completed the verification and reinvestigation from Experian. This is my 5th attempt to have them remove the item since it is not able to be verified with the source. The following FCRA rules provide for deletion and I have sent the attached letters making a deletion  requests. They are also reporting late payments for XXXX XXXX when the documentation clearly shows payments. 

FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ) FCRA Section 609 a ( 2 )

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 2019-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This is a follow-up complaint on a previously filed on XX/XX/XXXX ( XXXX ). At that time I reported I was being disturbed by phone calls from PNC attempting to collect debt. The complaint was logged and I was assured in writing by PNC that my phone number would be taken off the call list. I have JUST ( XX/XX/2019 around XXXX Eastern Time ) received ANOTHER phone call from PNC. It is clear to me that PNC does not care about the people it does business with, let alone the US government. I DEMAND that my number be IMMEDIATELY taken off the call list. Should I receive another phone call from the PNC bank, I will be consulting other legal avenues available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I sent 3 payments totaling {$1200.00} on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX to a person that turned out to be a scammer. The only remedy I apparently had through XXXX was to see if the money wasnt still in the account and to be moved back, but XXXX did not get back to me until almost 2 days later, giving the scammer an opportunity to close the account. Leaving me with no remedy. 

Also XXXX does not state IN CLEAR TERMS OR AT ALL, that XXXX is only for friends or people you know. It advertises itself to be a convenient payment method with the only warning being to make sure that you are sending the money to correct person, which I was obviously. 

It is wrong to advertise this service as a convenient payment method, yet not have buyer protection AND not inform consumers about this CLEAR limitation.

Company response to consumer: Closed with explanation