vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX County Domestic Relations Section in XXXX Pennsylvania has been reporting alimony pendente lite ( hereafter APL ) to all three credit reporting agencies as " Child Support '' and placed for collection and XXXX County Domestic Relations as a creditor. In the Experian and XXXX XXXX they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over paying. The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others. Upon making many attempts to get it correctly through XXXX County in writing and directly through the Credit Reporting Agencies, I was always told it wont change. I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit, XXXX County Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with those within our community and business relationships with my banks. I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.

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 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
In  XXXX  of   XXXX  , Hunting Bank repeatedly presented me, upon log-in to their website to check the status of my checking and savings accounts with them, with an advertisement offering a {$100.00} bonus added into an existing savings account upon the deposit of {$5000.00} or more in new funds into the account. I have a screenshot of the offer. I am/was abroad, and thus not able to comply with the stipulation to " visit a local branch '', but I called an spoke to a customer service representative ( call initiated at    XXXX   XXXX     XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   ) who assured me that this would not be a problem. The funds were directly deposited into my Huntington checking account by my employer on the  XXXX  of  XXXX   XXXX  prior to the deadline of  XXXX   XXXX  stipulated in the offer ) and I promptly transferred {$7700.00} into my existing Huntington  XXXX   XXXX  Account. In speaking with the customer service representative - identified as  XXXX  - he assured me that this would be acceptable and would not render me ineligible for the offer. When I pressed him for some proof of this assurance, he informed me that the call was being recorded.     The offer stipulated that the deposit of the {$100.00} into my savings account was to take place within 14 days. I called Huntington Bank regarding the non-payment of the money on  XXXX   XXXX ,   XXXX  , and was told because the money had been deposited first to my checking and then transferred to my savings ( within a matter of hours  XXXX , I was not eligible to receive the bonus. In a world of digital banking, this is an absurdity of hair-splitting - the end result to the bank is precisely and exactly the same. The fact that  Huntington  Bank 's customer service representative had assured me that this would not be an issue, inducing me to transfer the money to my savings account in the belief that I would receive the offered bonus, further leads me to feel that I have not been dealt with in good faith and have in fact been deceived. The bank has received over {$5000.00} of money into my savings account not formerly deposited with Huntington Bank, in timely fashion ; I have not received my bonus. I would warn consumers against having any dealings whatsoever with Huntington Bank, as their dishonesty in this matter strikes me as blatant, inexcusable, and petty ; I 've been given the run-around over the merest of technicalities -  XXXX  of no practical importance to the bank whatsoever - in order to save them {$100.00}, after repeated assurances on the part of an employee of theirs that I qualified, would receive the bonus, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Notified my servicer on  XXXX   XXXX  that my property taxes where showing delinquent on the   XXXX   XXXX     county  tax assessors portal and I was receiving past due notices from the tax collector as well.     My servicer figured out that they had been paying my property taxes to the wrong property. On  XXXX   XXXX  I was told that they would fix this and make sure the proper account was accredited. It is now ov er one  month later and I have contacted the  XXXX   XXXX   County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My mortgage comp any, America Servicing Company, merged   with  Wells Fargo. M y mortgage is now held at  Wells Fargo Bank.      This incident recently happened on  XXXX   XXXX ,   XXXX  , this has happened twice in the past. I submited a monthly payment and the bank duplicate the paymen t and overcharged my account. My mortgage statement showed two ( 2 ) payments deducted on the same day for the same amount. Wells Fargo char ged my account a lump sum payment in the amount of {$870.00} as oppose to  two  individual payments in the amounts noted below.   Example of the duplicate payment in the following amounts :  XXXX  - {$430.00} - applied to principal and interest  XXXX  - {$430.00} - applied only to principal ( suspicious activity as I have never submitted a principal only payment in the history of the loan payments ) I called the bank and the representative could not assist as she claimed there was a confirmation of payment sent to me of the full dollar amount. She could not confirm the confirmation number or advised where I could locate the payment confirmation number.   I only submitte d one payment ; however, we can not find the proof of the confirmation of the customer submission of two ( 2 )  payments.     This has happened in the past in  XXXX , on my second mortgage in the amount of {$1400.00}. They went into my account and process duplicate payments in the amount. Again, my account went into overdraft, which alerted me to investigate further.  ASC/Wells Fargo a dmitted error but did not do anything to prevent future occurrence. This recently happened again in  XXXX    XXXX  .     The only notification was my account went into overdraft for the payment that was submitte d three times by Wells Fargo and  that is how I realized there was suspicious activity on my account.     I would appreciate the CFPB investigating further of this practice that most customers are unaware  of Wells Fargo submittin g payments on their behalf of which the customer did not initiate.     I appreciate your help!

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 2017-05-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I were honeymooning in  XXXX  over the holidays in  XXXX . On our first day in  XXXX ,   XXXX   XXXX   XXXX  , we were taken unexpectedly through an elaborate manipulation that landed us in  XXXX   XXXX , a tailor that we thought at the time was legitimate but soon after realized we had been swindled out of {$1700.00} in clothes. Within the hour we immediately ran to the hotel, and confirmed our fears with the front desk who advised us to call our bank right away. So, we did. While my wife was on the phone with CHASE I used the hotels cell phone to call the store, talked with the owner and after much debate we hung up confirming the cancellation of the sale. As my wife wrapped up her conversation with CHASE what was understood on our end was that the charge would be placed on hold and would not go through. Our next course of action was to then take it up with the Fraud Department, which we did. However, in  XXXX  we received a letter in the mail that  Chase  ruled in favor for  XXXX   XXXX  because I signed a " no refund '' receipt. So I then contacted the  Executive  Office of Chase on   XXXX   XXXX   to, once again, explain our case. The Executive Office responded now that they can no longer help us either.    1 )   XXXX   XXXX  manipulated a sale. It is a fraudulent situation. There are many  XXXX   XXXX  reports stating the same thing. We would be happy to print them up for you and/or send web links for your records.    2 )  We called right away to confront and stop the charge. We followed  Chase  's directions which was to contact the merchant and agree on the cancellation of the sale.    3 )   XXXX   XXXX  is lying in their report. They never came for a second fitting to our hotel. They didnt make our garments already ; there is no way. Its impossible. We called them, and  Chase  within an hour after leaving the store.    4 ) If they DIDNT  cancel the sale then they should have sent the garments to our hotel in  XXXX  on   XXXX   XXXX   XXXX  , which was the initial agreed upon shipping location and date. That never happened.    5 )  We dont understand why the money was released and even processed to  XXXX   XXXX . The whole reason we called right away was to catch the processing of the payment before it went through, which we understood was successful on   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Store cards were opened in my name and birth date with an unknown social security number. Creditor sent cards to an address I never resided in a state I never resided.  Two  accounts appear on my credit file and thus far harming my credit.

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 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I requested " validation '' of a debt I supposedly owe  to Wakefield and Associates. Th ey received the letter on  XXXX   XXXX ,  2017 . They sent me a copy of a bill for {$540.00} but the amount reported on my credit reports is $   XXXX .They were una ble to provide me with anything bearing my signature to prove I have an obligation to pay them. I pulled a credit report 30 days later and noticed the account was not updated as " disputed ''. I notified them of this and requested the account be removed from my credit reports. They responded by then updating my account as disputed and telling me the do not have to provide any additional verification. Not only has this company violated the law by not updating my credit report within the 30 day time frame, they are not bonded with the Te xas Secretary of State to even be able to collect debts in the state of Texas.

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 2017-05-23 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: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: VA

Complaint narrative:
I submitted a complaint regarding this company within the past 6 months with your company, case file no.  XXXX , this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX  for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter  XXXX  bankruptcy back in   XXXX   and that has be en discharged, all a ccounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under  Plaza Services  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  (  XXXX  )  XXXX  for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very  XXXX  having to deal with false transactions and fraudulent reporting on my credit. Thank you

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
On  XXXX   XXXX ,  2017 , a shortsale packet was sent  to Penny Mac for their review. We followed up every 2-3 days throughout this process. I understand that the file was orig inally set up to review for a short sale, but was declined because the file needed to go through a " waterfall '' process wherein it would be reviewed for other loss mitigation options which the borrower did not qualify for nor did he request. An escalated " waterfall '' review was set up, and around  XXXX   XXXX ,  XXXX   XXXX  called in to confirm his financial information, at the request o f Penny Mac. O n  XXXX   XXXX ,  Penny Mac r equested thei r RMA a nd IRS form  XXXX . We had provided the standard  RMA  and  XXXX  forms, however , Penny Mac informed us that those forms, while standard, needed to be updated with the specific Penny Mac  forms, so we provided those on  XXXX   XXXX . Subsequent follow up  with Penny Mac s howed they received but did not process paperwork sent to them, so we resent the documents again on  XXXX   XXXX , and again on  XXXX   XXXX . We were then told that  XXXX   XXXX  had been declined from the " waterfall '' process and was eligible for a short sale. The next day, we were told that the short sale review could not be completed because  the " waterfall '' review took too long and put us within 37 days of the foreclosure sale date. Because of Penny Mac 's mishandling of the file originally with the wrong review track, and their repeated misplacing of necessary documents, their " waterfall '' review took too long and because of it, they failed and refused to reschedule the foreclosure sale date to allow the short sale review, though they have been asked, twice, in writing,  to postpone the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
To Whom I t May Conc er n : Amazon made an unauthorized purchase/auto-billing from my Amazon Store Card o n  XXXX / XXXX /  XXXX   ( affiliated with Synchrony  Bank ) for Amazon Prime Renewal (   {$100.00} see  XXXX _Amazon_Statement ).     I have used my  XXXX   XXXX   XXXX  debit/Visa card in the past to automatically renew to  my Amazon Prime m embership ( see  XXXX _ XXXX _statement  XXXX  ), which is still in good standing and not expired. The only logical reason that  Amazon would bill their store card without my authorization was that Amazon was  hoping to help its affiliate Synchrony Bank cash in on their 26.49 % APR ( see  XXXX _Amazon_Statement page  2 ). To make matters worse, the Amazon store c ard is set to a default setting to receive no text or email ( see  XXXX _Amazon_Account_Summary ), so it will go unnoticed by the consumer and surprisingly, Recurring payments is set to off which begs the question, why was I charged with that setting on? Please see   XXXX  _Amazon_Account_Summary.   I was charged with a late fee ( on  XXXX / XXXX /  XXXX   see   XXXX _Amazon_ XX/XX/XXXX _statement ), be cause I was not aware of the unauthorized transaction that took place over a month ago.     I am concerned about this happening on a larger scale aimed at hurting consumers and that the risk/reward factor greatly benefits  Amazon and its Affiliate bank Synchrony to harass its customers in this way. I have been on the phone with Amazon and Synchrony today (   XXXX / XXXX /  XXXX    ) to try  and resolve the issue.

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
Franklin American mortgage is reporting my account as late 120 days or foreclosed, depending on which credit report you look at. We actually had a buyer for our home, but Franklin American would never give us the payoff amount or call us back. Their incompetence caused u s to lose our buyer. The foreclosure was improper and is now being misreported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: FL

Complaint narrative:
I have been sending disputes and supporting documentation to Transunion for almo st two ye ars trying to fix incorrect information on my credit. I 'm filing this complaint because Transunion has had plenty of time to address my concerns but they have ignored my disputes and dismissed them as frivolous. Transunion is reporting that my closed  XXXX   XXXX  auto loan from   XXXX   was past due and is now a paid repossession. This could n't be farther from the truth. I never missed a payment on my  XXXX   XXXX  loan and I paid this account in full years ago. Transunion needs to report that my auto loan has been paid in full and closed. It was never delinquent and there was never a repossession. The account number for the account is :  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: WI

Complaint narrative:
in referenc e to [ Case nu mber :  XXXX   ] US Bank Home  Mortgage response, they sent home loan history but they shrunk the font so small it 's unreadable from start of loan  XXXX  through  XXXX . Then they increased font to a readable font size when they sent  XXXX , but they did not include loan information up to date of all payments before and during chapter  XXXX  showing every payment applied from consumer and court deducting every amount and showing principal balance after each payment applied.     Also, we are paying a mortgage loan to  US Bank Home Mortgage and they are refusing to report our mortgage payments to the credit bureau, therefore we can not get a accurate credit report showing payments to a financial institution, such as US Bank Home Mortgage for loan information.

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