vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
DOVENMUEHLE MORTGAGE is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020 and XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was hospitalized with no pay due to hospitalization ... During my hospitalization I had minimum access to my banking and paying bills ... thus my auto pay to Dovenmuehle was returned by my bank. After contacting Dovenmuehle and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank Dovenmuehle can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX we received a letter from Transworld Systems Inc. regarding medical services that we provided on XX/XX/XXXX. Transworld Systems illegally accessed HIPAA informations and collection data from one of their affiliates to resurrect a new claim ( this is now called Parasitic Debt Collection ). This fabricated claim is clearly attempted fraud by Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CA

Complaint narrative:
XXXX XXXX has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.

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 2020-06-02 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This involves Chase. My card were stolen, I reported this to Chase, local police and state AG office and elder abuse. I closed this account but they sent replacement cards. Fraudulent charges began XX/XX/XXXX ( I am hopefully attaching statements ). From that date XX/XX/XXXX until at least XXXX all charges were not mine. Chase said they investigated and that " the transactions are correct '' I have not received any documents from that investigation. I was XXXX in the hospital twice in XXXX and twice in XXXX returning home XX/XX/XXXX I could not have used the card while in the hospital. 
Chase maintains I owe XXXX all fraudulent. Payment history for years is on time and in full. 
From XX/XX/XXXX forward these charges are not mine ( except XXXX XXXX   my phone provider which is direct bill and cost less than XXXX per month times XXXX, XXXX, XXXX. 
Would like to resolve this I have spoken to a number of RepsXXXX and Managers ( most names I have ) and have spent hours trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: CO

Complaint narrative:
XXXX XXXX account open in XXXX reporting as open in XXXX was included in a bankruptcy fouled in XX/XX/XXXX and is reporting as delinquent with a past due balance of {$450.00} and I would like the account to be removes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC bank dose not allow my account to connect with XXXX, so I can't send money to my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was XXXX with no pay due to XXXX  ... During my XXXX  I had minimum access to my banking and paying bills ... thus my auto pay to AMEX was returned by my bank. After contacting AMEX and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank AMERICAN EXPRESS can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2020, I received a notice of account closure from Discover Financial. Since I have never had an account of any type with Discover Financial, I was concerned. I called Discover, who verbally agreed to remove the account from my credit bureau report. I also pulled my credit reports and found numerous unauthorized inquiries, including some from Discover. 

Discover has not removed the fraudulent account from my credit bureau report. Instead, they are reporting it as closed by credit grantor, which hurts my creditworthiness. XXXX refuses to remove the account and the associated inquiries from my credit bureau report. In addition, XXXX has refused to remove other unauthorized inquiries from XXXX XXXX, XXXXXXXX and XXXX XXXX XXXX. This is unreasonable and has caused me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: FL

Complaint narrative:
To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home

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 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The company originally opened an account for me after providing documents for proof of ID on XX/XX/20 a credit card was also opened the day after. I have been using this checking account to make payments and the credit card for daily spending. The company has frozen my accounts at this point and is requesting the same documents but will not give any insight as to why and refuses to let me access my account with my money in it. The company has pulled my credit multiple times and we have communicated on several different occasions and not once were additional documents mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2020, I used a US Bank ATM machine to deposit {$500.00} in cash, all in twenty dollar bills. The location was the US Bank ATM at XXXX XXXX XXXX  XXXX, XXXX, MN XXXX. I used my US Bank issued VISA branded debit card to make the deposit. I loaded the bills in groups of five, and the machine counted up to {$400.00}, then I inserted the last five {$20.00} bills. The machine then made a different sound, and I could tell it wasn't counting the bills like the ones I had just inserted. Then the machine made beeping sounds, then other sounds in the back of the machine. The screen went black, then the screen said something about an error with a cable in the back. The screen went black again, then restarted, then said that the machine was out of service. I called my husband in from the car where he was waiting outside, and told him what happened. The machine had not returned by debit card, so I pushed cancel, enter, and all the buttons until the machine finally spit the card out. I never got any kind of receipt, and the bills were all inside the machine. I called the XXXX XXXX consumer number right then at XXXXXXXX XXXX and told them what happened. They took all the information, entered a claim for me, and told me not to worry, they would get the money back. We didn't get anything in the mail, or by email, or any notice in our online banking accounts. 
Five days later on XX/XX/2020, I called again, talked to XXXX who gave me our claim number. She said it can take up to ten business days to process. After not hearing anything again, I called again on XX/XX/2020, talked to XXXX, who said the claim was denied, but could give no reason why. On XX/XX/XXXX, we received the claim denial letter that said that no error occurred with our transaction, so they have denied the claim. We then contacted our local personal banker at US Bank and left a message about what happened and that we would like to meet with her. We have since left her another two messages to arrange a meeting, but she has not returned our calls. We have been customers of US Bank for over 40 years, have never written bad checks, have never been in any kind of default or claim with them prior to this, and have numerous deposit accounts with them. We feel like we have been robbed by our own bank. We don't gamble, and never expected that using their ATM machine could be like gambling!

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to make a purchase online with my XXXX card but the purchase was declined and a preauthorization was take out for XXXX XX/XX/2020 so that I thought and the app declined my card. So I called XXXX XXXX XXXX and tried to explain what I thought my email stated and the person told me that he seen the the preauthorization for the XXXX and would refund that amount. I was fine with that but I still had the problem of my order getting declined so I asked to speak to a supervisor and got transferred to one. I start telling the supervisor that I was fine with the preauthorization but I had a concern with them not seeing any kind of transactions or any trace of anything on my account but they are taking money from my account without a reason. My second issue is the fact that every where I use my card the put a preauthorization hold on the account. My money is direct deposited every pay day without any type of problem. After I give up on explaining my problem to two different people and either one of them not even attempting to do anything past refunding the the XXXX. Just a little bit later the same day not even a hour later a XXXX preauthorization is emailed to me after I told them that amount and that it was declined. I went and with draw money to to pay for my dinner order. I have a receipt to prove that I paid cash for it and I have both emails with the times, dates, and everything on them. Now I dont know if it will get refunded to my card are if I will even see it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Travel ID # XXXX. I cancelled this XXXX XXXX reservation and instead of the points being added back to my account, which is the proper most transparent thing to do, US BANK is giving me a credit of {$400.00}. The problem is you can't easily book another airline ticket on your own on their website. 

You are forced to call in to use your credit and the hold times are 2+hours. I have been trying to reach them for 3 days to rebook the trip. 

This credit process is broken and is a horrible customer experience. 

I still can't get anyone to help me to rebook a flight that I need soon.

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 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Company does not pick up the phone. Received notification of a collection bill related to XXXX XXXX, per XXXX XXXX resources, no bill is owed. This is a false collection with no account number, no debt, no answer just in my report damaging my credit score. I am currently in Escrow and this will impact the outcome of my home financing. No mail, no calls. Per looking at their website this is a known collection agency for making false collections

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I was scammed out of {$450.00} through the XXXX function in my Bank of America account. I did not authorize this electronic funds transfer and immediately notfied B of A as soon as I saw the fraud, meeting my oblication under the Electron Funds Transfer Act. I beleived I would get my money back, considerign this was fraud, however after the investigation by the bank they conluced in a letter I was being denied becaue " I GAVE MY ONLINE ID AND PASSCODE TO SOMEONE!! '' Unbeleivable, this was the outcome of their investigation? What kind of investigation was this? Of course I did not give out my private banking information. I called the bank back to complain and the agent could not give me a satisfactory answer to why I was not being protected under the ElectroniXXXX Funds Transfer Act as requred for this unauthorized funds transfer. I asked for the information of the person that took my money on the other end. The agent said they WERE NEVER CONTACTED!!!. What kind of investigation doesnt find out who got this money and if it was authorized or not? this is ridiculous, so the bank in essence is allowing these cyber hackers to take money then don't even bother contacting them to see who they are or if they were supposed to receive a payment? That is their investigation? And I am supposed to be happy about that? This is outrageous! He then proceeded to say I should have my laptop checked for bugs or cell phone, but contradicted himself by saying that if I had a bug it would be my fault anyway because its failure to protect? That makes no sense, the EFTA does not stipulate any such nonsense for moneys that are UNATHORIZED from a consumers bank account. Bank of America is deliberately failing to adhere to their duties under this consumer federal regulation, failing to secure thier customers online funds from hackers and then blaming and treating their customers like criminals instead with half hazard investigations that dont even contact the moneys recipients!!! I asked to speak with a manager to escalate my case and I was sent to a voice message and never received a call back. Not only was my account stolen by thieves but Bank of America is conducting business like thieves, ignoring federal consumer protection laws and wrongfully denying fraud claims through the XXXX  payment system that they own. There must be legal remedy for this individually or I am sure this is happening to many other people on a larger class action level. I will be looking into this very seriously. I am a U.S. Veterand and XXXX   XXXXXXXX, the way BofA is treating its customers is unacceptable. Bank of America can not be trusted with your accounts or your money.

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 2020-06-02 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: OH

Complaint narrative:
This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX, but when I looked up the address it shows up as XXXX XXXX XXXX XXXX   for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to XXXX XXXX XXXX  XXXX requesting Validation of Debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
1 ) I had to dispute back and forth multiple times in writing with Equifax in XXXX to remove an address in Arizona that was fraudulent as I have never lived in Arizona and it was tied to someone stealing my credit to open an account ( which I reported to the police ). I have a written report from Equifax in XXXX stated that they agreed the address is fraudulent and had removed it. I now see ( XX/XX/XXXX ), they have put that same address back on my credit report 3 years later as a former address. This is a broken system and it seems unreasonable that I now need to take several months again to fight the same battle. 

2 ) In addition, I initiated a fraud alert which is supposed to make it difficult for someone to attempt to open credit in my name. The other credit reporting agencies seem to be honoring this and I had to take additional steps ( as I should ) when I recently took out a car loan to prove my identity. Yet somehow, Equifax allowed XXXX XXXX XXXX to do a hard inquiry on my credit without my social security number ( which I know to be the case because I am now signed up for a credit monitoring service that lets me know if someone tried to open an account with my soc sec # ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
This is account is incomplete and not mine. I'm ever sure who the creditor is maybe as it's not displayed but impacting my score. Also, if they believe this is my account, please validation of debt. Account # XXXX Here is the Second account listed as XXXX but when I looked up the address it shows up as Fair Collections & Outsourcing for Account # XXXX. please provide validation of debt for this account as I'm familiar with it. 

I sent a certified letter to Fair Collections & Outsourcing requesting Validation of Debt as well.

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