vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: PA

Complaint narrative:
In XX/XX/2018 I requested a fraud alert due to several erroneous accounts on my credit report. I submitted several documents to the three credit bureaus regarding the accounts on my report. At the time I was working with a company who said they would remove these accounts and help me rebuild my credit due to this devastating situation. They have failed to due so. I am a victim of identity theft and I am in need of 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 2019-05-22 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:
Equifax and XXXX are reporting incorrectly that I am XXXX plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
This is in reference to a closed claim XXXX, I'm disputing the resolved claim stating that we linked a credit card opened by XXXX XXXX and XXXX XXXX XXXX XXXX for overdraft charges totaling almost XXXX, we never use a credit card to cover such charges we either use our savings or just deal with the charges at that time mentioned I'd spoken to USAA and let I was XXXX from the XXXX XXXX and would be closing my account due to needing a physical bank and wasn't happy on how we were being treated customer service wise and unfamiliar charges to our account which was pertaining to the Identity Theft which occurred by a visiting relative stealing our information back in XXXX before the 2nd identity theft occurred which I attached the information to you. My son XXXX should not be held responsible for these charges or myself, if we made the charges we would pay these but we are unaware of such charges. We changed to another bank during the time period of XXXX - XXXX so how can these charges have been implimented I've tried to access my previous account with USAA to view these claims and have no access. I won't the information sent to me via email or mail so I can review the for go charges mentioned, its sure is funny when my son ask for access to his account he was told that wouldn't be possible until he spoke to corporate office and you all send a resolution stating items on my account which was the same period he requested and was told it was to far back to pull anything up. This is really an issue as we are trying to clean up our credit so my son can purchase a home and my wife and I can enjoy our retirement with this hanging over our heads. Help would be appreciated in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase is guilty of not posting charges chronologically, and charging me in a shady fashion to push my account into overdraft. They have a " 2 reversals '' policy for their overdraft fees and I have used this feature up in the last six months. I have had this account with them a little over three years. 
On XX/XX/2019, I checked my account to find I was {$18.00} overdraft. I had recently reached out to Chase about putting XXXX charges from days ago onto my account all at once at the end of the month. This was the case today. Nevertheless, I hurriedly had my mother transfer {$70.00} through the XXXX app into my account hoping to avoid the overdraft fee. Right after the transfer was completed I checked my account and there was {$50.00} in there. The next day I awoke negative {$88.00} overdrafted. This was XX/XX/XXXX. I had been charged the overdraft fee for three charges yesterday. I also had a new, non ACH Debit card charge for {$11.00}. I called to ask why I was charged when my account was not overdrafted by the end of the day. They claimed it was after the cut off time. 

I now had no money to eat. All the charges were days old charges from my XXXX. One from a week ago. All the charges were less than {$10.00}. I inquired about the {$11.00} charge. I had been told that they can not stop ACH Debit, but this was classified as a card swipe. I had signed a form at the beginning of my account stating I did not want them to allow my account to go overdraft, and to decline the charge. I was told by the manager on the phone that that didnt count and was deducted when I had money in the account. I checked my account today and I had three more late charges from XXXX, was charged {$34.00} for each. I was also charged {$34.00} for the {$11.00} charge I was told " didn't count ''. 

When I called the line and asked why I was charged for the {$11.00} charge, after a long period of " investigation '' the rep informed me that they treated this charge like an ACH Debit and just allowed it through. When I asked why a manager would tell me it doesn't count I was told they could not speak on " pervious calls ''. I asked them to pull my call and they refused.

I do not remember the manager 's name but I know the rep who transferred me to him was named XXXX. 
I am now {$200.00} overdrafted, and have not used my debit card for a sinlge swipe in five days. 
This is completely unethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I checked my account mobile app SunTrust and noticed a check in the amount of {$30.00}. This check was a digital check from a company that fraudulently accessed my account. I called the number on the check XXXX the representative said this was XXXX and XXXX busy signal. The check with my named misspelled was not signed or authorized by me was cleared XXXX XXXX. I have no idea who or what XXXX XXXX is or how they obtained my information.It is a mystery what XXXX XXXX actually as a web search produces sketchy results. The company appears to offer mediation for business and customers for a fee. It appearing that SunTrust may be motivated to may have consulted with tis company and the company charged my account by mistake. In the past SunTrust has denied claims in the past with XXXX unrealistic excuses and perhaps this is retaliation for filing a complaint. SunTrust denied a claim for {$27.00} that is completely its fault and another fraud claim back in XXXX for XXXX XXXX who took {$130.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past 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 non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocean Lending Home Loans
State: CA

Complaint narrative:
XX/XX/19 I was randomly called and then texted by a company called Ocean Lending ( Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - Lic # XXXX ) by XXXX XXXX XXXX. The voice mail states they have an active loan application with missing information. I have never requested a loan from them. Turns out it was a cold call to solicit a loan. My phone number is also on the National Do Not Call list. I re-add it to the list every three - six months. 

This is a pretty shady business practice from this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
Dovenmuehle Mortgage Inc. and XXXX XXXX XXXX  are one and the same. 
I have filed multiple complaints against Dovenmuehle over the last six years. The last report was submitted XX/XX/2019 complaint ID XXXX. I also did search and realized that I am not the only one to fall victim to Dovenmuehle unfair, unlawful, unethical practices. Please see the link below to see comments from other victims over the years. 


XXXX XXXX XXXXXXXX There is some funny business going on and this company really needs to be investigated and shut down. Dovenmuehle has caused way to much financial harm to the lives of many not to be held accountable. I do not want Dovenmuehle calling me or harassing me any longer. It is clear that all my efforts are in vain no matter how much I attempted to get some where with this Dovenmuehle. I have notified the Maryland State Attorney Generals Office, HUD, FBI, Federal Trade Commission, and the XXXX XXXX XXXX to no avail. I hope and pray that someone will eventually stand up and put a stop to this. Dovenmuehle is a joke, and the service is dishonest, and horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I deposit a check at ATM In XXXX on XXXX XXXX in XXXX Ga. I paid the express fee. And then I went in the Branch and tried to get a money order and the XXXX XXXX gave me such a hard time about my funds and said that my funds was pending and wouldnt give me a cashier check. So I had to with draw from ATM and go to XXXX XXXX  for a cashier check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
IN XXXX I CONTACTED XXXX TO ADVISE THEM I WAS SWITCHING COVERAGE TO ANOTHER INSURANCE COMPANY-XXXX XXXX EFFECTIVE XX/XX/XXXX. THEY DID NOT CANCEL MY COVERAGE UNTIL XX/XX/XXXX AND BILLED ME ALMOST {$400.00}. I RECEIVED NO BILLS FOR THE COVERAGE. IN XXXX I WAS NOTIFIED THEY REPORTED THE BALANCE TO COLLECTIONS. I IMMEDIATELY CONTACTED XXXX DIRECTLY TO ADVISE THEM THEY INCORRECTLY BILLED ME AND SENT PROOF OF COVERAGE. IT TOOK THEM 2 WEEKS TO CORRECT THE BILL. I REQUESTED SEVERAL TIMES FOR A REVISED STATEMENT, WHICH I STILL HAVE NOT RECEIVED. I WAS TOLD THE BALANCE WAS {$170.00} WHICH I IMMEDIATELY PAID. I STILL NEVER RECEIVED A BILL AND I WAS ASSURED ON SEVERAL OCCASIONS THAT THE ACCOUNT WOULD BE RETRACTED FROM THE INSURANCE COMPANY. THE COLLECTION AGENCY REPORTED THE ACCOUNT AS SETTLED WHICH IS INCORRECT AS IT WAS TO BE REMOVED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: LA

Complaint narrative:
Since I purchased my home in 2012, I have paid PMI. The value of my home has increased significantly and I am now currently around 67 % LTV which would qualify me to have my PMI removed. I called my mortgage company to get this started and the person on the other end of the phone told me he was sending me a packet in the mail to sign and return to get the reappraisal started. After not receiving it, i called and was then told that they can not remove the PMI. After much research, I CAN remove the PMI with a reappraisal but my mortgage company will not do this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
The following is the complaint that I sent to OCC about my mortgage : " On XX/XX/XXXX, I began making trial payments to Bayview Bank. No payments have ever been attributed to any account. On XX/XX/XXXX, after 15 payments on time, Bayview Bank refused to continue taking my payments, I have no idea why? In XX/XX/XXXX, I hired an attorney to help me get answers and resolve this issue. However, nothing has change, instead of extending a mortgage modification, Bayview Bank has continuously added late fees, penalties, attorney cost monthly which is now approx. {$51000.00}. I need know why they stopped taking my payments? And, why they refused to give me a mortgage modification? I need your help and please assist me in any way possible. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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 — Was not notified of investigation status or results
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I have tried on several occasions to dispute the accuracy of this account with the credit reporting agencies XXXX, XXXX and XXXX. Over the past couple years I have requested written documentation of the findings outcome to support what is being reported on my credit report. They only information I have received is that my dispute was reviewed and the findings were accurate. 

Please provide written detail support on the reported findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Around the end of XX/XX/2019 I was making a payment on my Amex account. After the fact, i thought something looked out of place. There was someone elses bank account in the field to pull the payment from. I called, they deleted that bank account and I verified, then made my payment thinking everything was resolved. Fast forward to XX/XX/2019 I Come to find out yet again the 3 payments ive made since XXXX again came out of this other persons bank account. I contacted AMEX and told them I suspect a faulty backup/restore process or a data breach ( i have been in info sec for 20 years ). After XXXX weeks they finally returned the money to the other person 's bank ( After a privacy breach telling me this person name ) and are demanding the money I attempted to pay ( XXXX payments ) NOW. Then they accuse me of illegally using someone elses bank account to make payments. I only see the last four numbers, i have NO way of knowing this full bank account number. They refuse to follow through and find out how or why this has happened or to take accountability for these payments that I did attempt to make but they withdrew from someone elses account. I have spent 10-14 hours on the phone with Amex over this and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers ****XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past 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 2019-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I obtained a credit card with Capital One with a credit line of {$300.00} while off in college! Since then I have had Capital One report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief