vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Gateway Mortgage District Manager XXXX XXXX recently listed a house w/ XXXX XXXXr- XXXX XXXX that my wife and I were interested in. We had got our prequalification done months ago so we could move forward w/ an offer as soon as we found a house w/our prequal amount ( {$300000.00} ).  Soon after we submitted our offer XX/XX/2018 our agent called me to inform me there is a note on the internal portion of the MLS listing that requested the buyer to go through Gateway for their prequal. I told my agent that why do they need this if we have already prequalified and she responded that the seller ( Gateway Mortgage ) was just looking to prequal w/ them and to talk to us so we could go forward. My agent also sent me a phone # for a loan officer XXXX XXXX XXXX to give him a call and see what he had to say. I asked our agent does this mean they are taking my offer for their house and she said she would ask ( she texted listing agent and called and got no response ). My wife and I went  ahead and called XXXX. He started the conversation by telling us we could do the prequal over the phone or on line. My wife told him she did not think it was necessary and also did not feel comfortable giving the seller our personal info. At this time XXXX said he would keep it private even though his manager is the seller of the property. When we asked about his relationship w/ XXXX he said they were co-workers. When my wife asked why we would need to redo a prequal XXXX responded that it was to make sure we had qualified for an amount to cover the loan and the seller felt more secure if the loan was a local lended. This is when my wife assured him we were w/ a local lender and that he must empathize w/ us being put in this awkward situation. He said he recognized the lender and said he was just doing what was asked from him from the seller ( his manager. ) and implied that if we did not go ahead and get a prequal letter from his company that the contract may not go through. We ended the call soon after he told us of his weekend availability. Two minutes later we received a text from our agent that our offer was rejected. I asked my agent today XX/XX/XXXX for a copy of the inter MLS portion and she said they removed the mortgage steering language from the listing since Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CT

Complaint narrative:
In XXXX of this year, I made a trip to XXXX. During this trip, several fraudulent charges were made in rapid succession at one establishment. I noticed these charges, notified Chase bank credit department immediately ( from XXXX ) and they immediately reversed the charges ( on a temporary " credit '' basis ) while investigating the charges. Over a month later, I received a letter in the mail from Chase stating the charges were found to be valid, and the credit was reversed. I called twice more to re-review the claims and they 2 more times found the claims to be valid, without giving any reason or transparency as to why they found these charges to be valid. Finally, I called my personal banker at Chase to see what he could do, however, he has not responded to multiple attempts to contact him. The charges are over {$6000.00} and from XX/XX/2018. This is completely unacceptable, and I am getting nowhere contacting the same departments over and over again, very disappointing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
On 5 different occasions I have contacted Fair Collection and Outsourcing in  XXXX XXXX MD XXXX @ XXXX. 

I have sent over my police report for stolen identity. I have signed an affidavit that this was not my account. 

I lived at XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX from XX/XX/XXXX - XX/XX/XXXX. I have provided my DL and they are refusing to remove it from my credit report. I work for the department of homeland security and have to have this unpaid debt removed from my credit report inorder to maintain my clearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I noticed on XX/XX/2018 that my checking account had - {$49.00} and that the reason for this was because the credit card company deducted the full ( {$670.00} ) credit card statement from my checking account instead of the minimum amount ( which I had set up to be deducted monthly using auto pay ). I immediately called the credit card company the same day to reverse this payment, which they said they wouldn't be able to do until the payment was out of " pending ''. Once the payment went through on XX/XX/2018 I called again because the funds still were not transferred back into my account, to which they said, it would be one more week until that would happen. I asked if there were any way to speed that process up. They told me the funds would go back into my account within one to two days if I faxed them a screen shot of my bank statement showing the {$670.00} that was deducted with my accounting and routing numbers attached. I sent them this information the same day. I called again, Saturday XX/XX/2018, because it had been three days since I last called and the funds were still not in my account. They told me they would not be able to begin the investigation process until the following Monday because they are not operational on weekends. I called back Monday, XX/XX/2018 to see If they had started to correct the issue. The supervisor told me it would take up to five days from XX/XX/2018 until the payment would be transferred back into my account. That was today and is the reason for my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX claims I owe XXXX to Sunturst, this account was closed with numerous overdraft fees charged which are in dispute, Suntrust would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused Suntrust account to become overdrawn and fees charged. Stop payment is not my error, however, Suntrust refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXX XXXX to Suntrust. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears Suntrust did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, XXXX XXXX XXXX needs to remove account from collections as well as any credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since Last XXXX I have had an Erroneous collection Listed on my Trans Union Credit Report from a certain XXXX XXXX XXXX dated XX/XX/2017. I have asked Trans Union to investigate this with the total of more than 45 days+ elapsing with no satisfactory response. No reporting completion of any kind was submitted nor a notice or explanation of why the collection remained either. Nor Was I sent certified notices of contact from the collection furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Per court order divorce agreement ex husband assumed XXXX XXXX XXXX XXXX XXXX. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called XXXX  XXXX XXXX. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau Equifax and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. Equifax says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: CA

Complaint narrative:
I had a joint mortgage account with my ex-husband with XXXX, and noticed that my most recent Equifax credit report contains a late payment reported on XX/XX/2012. I submitted a letter to XXXX documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided XXXX with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with XXXX somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which XXXX required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to XXXX was sent from my current address, but XXXX will only send a response to my ex-husband 's address. XXXX has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: MI

Complaint narrative:
I have a Hard Inquiry for a request for Credit I DID no authorize from a XXXX XXXX XXXX XXXX on my Equifax credit report, additionally there is NO valid contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: Metro Collection Service Inc.
State: CO

Complaint narrative:
i havent had a credit card in over 15 years this is not mine, furthemore it is not listed on my XXXX  but is still on XXXX, and XXXX, this has been with 4 other debt collection agencies and was removed but continued to be listed over the last 10 years and presently shown closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
ALL 3 CRA AND 3 DIFFERENT COLLECTION COMPANIES ( " XXXX XXXX, XXXX AND XXXX XXXX '' ) DEMAND SAME PAYMENT OF DEBT THAT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY " ... VIOLATES " FDCPA, FCRA AND FCBA '' AND REPORTING SAME ACCOUNT ON ALL CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: NC

Complaint narrative:
I contact transunion and XXXX XXXX since XX/XX/2018 ... I went inside of XXXX XXXX and purchase some items and they told me that they update the account every month on the XXXX ... well as of now my account is still not updated with genesis financial or transunion ... when I contacted transunion they said the have no updates from my creditor XXXX XXXX ... and when I contacted genesis financial they are saying they have reported to transunion.. I am just confused and need this account updated on my transunion report thank you! When you for merchandise it should be 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 2018-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been writing to this department since 2015 about Wells Fargo Home Mortgage deception. Rather than investigating and inspecting my documents but each time my complaint was to the bank and the response was *in our review it was found that our process was correct*. And nothing was done by this department or by the bank. I made several complaints. Now the bank have the nerves to say *It was a computer glitch* Claim # XXXX Claim # XXXX and a few others So what should be my next step. I would like your help in get the justice for this. I kept saying something was wrong because I was not late with my mortgage. I was on time. My income was more than enough to pay my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: MI

Complaint narrative:
I have a Hard Inquiry for a request for Credit I DID no authorize from a division within XXXX   XXXX XXXX. Additional there is no contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
a. We received a letter dated XX/XX/2018 indicating that PNC was changing our account number with the new enhancements that were being completed on their computer systems. ( XXXX  XXXX ) b. Received letter on XX/XX/2018, XX/XX/2018 and XX/XX/2018 that our payments were past due. 

c. Each time my wife or I contacted PNC and talked with various customer service representatives regarding this issue. We indicated on each occasion that our payments were on time, processed and verified by our local credit union. Payments were made electronically and documented since receipt of the XXXX letter. 

d. Again I called PNC after receiving their latest letter dated XX/XX/2018. Spoke to ( 2 ) customer service representatives and indicated that payment was made and I was in possession of documentation from my credit union that indicated that once again they had received all payments. The first Rep was XXXX XXXX and the second was Supervisor XXXX XXXX. Mr . XXXX indicated they was assign a case manager that would get in touch with us via a cell phone number that was provided. As of the date of this complaint wer have not heard from PNC.. To date no response from PNC. 

e. Attachments provided that clearly indicated that PNC has received all payments in a very timely manner. Payments are not getting credited for weeks and in some cases over a month. Consequently, we continue to receive letters indicating payments are past due. 

We very much appreciate you assistance in this matter. It appears that no matter how many times, we call, or take time to go to our bank and provide payment information it continues to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Summary : My credit score has decreased by a significant amount due to GM Financial incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to GM Financial, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially  negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : GM Financial attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a significantly negative impact on my credit report/score. 

GM Financial attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

GM Financial then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: GA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.

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