vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts remain un-verified and or innacurate ....

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In  XXXX  or  XXXX  I opened a  Sears  credit card account, used it once initially and paid it off and did n't use it again until  XXXX  of  XXXX . Accrued a balance of ~ {$130.00}, paid it down to ~ {$50.00} in  XXXX   XXXX , the next time I logged on to the credit card management website it said that my balance was  XXXX . I did not keep track of how close my balance was to  XXXX  so I just figured I had paid it off already and did n't need to bother looking at it again. Around  XXXX   XXXX  I received an email from  Sears  saying my account balance was overdue, so I log in and there is a  Sears Mastercard a ccount ( in addition to the original  Sears  Card account I had applied for ) with a balance of about {$95.00} :  XXXX  was transferred from my old account, and {$27.00} late fees x2.  XXXX   XXXX  was the first time I discovered the existence of this account, the first time I was aware that a previous balance was transferred over to it, the first time I knew it was overdue for  two  consecutive months. I then get an email from a credit monitoring service I pay for through another credit card and see that my  credit scor  XXXX  had dropped nearly  XXXX  points for a delinquent account. I do n't even have a physical copy of this card.     I spoke to Sears customer support today on the phone and they insisted they sent out mailers and the card to the address on file and said there was nothing I could do because of that and the fact that they had never received any returned mail.     My problem is that a new credit card account was opened in my name without my consent instead of being " upgraded '' like  Sears  customer support said it would be, and balances were being transferred to it without my knowledge or receiving any indications or notifications of anything happening and now my  credit score is significantly damaged because I did not make   payments on an account that I did not know was even open under my name until 2 days ago.     Attachments :  1. Sears credit card management page - shows nothing in recent activity to include the transfer between this account and the new one opened without my consent 2. S ame page as picture above showing the last statement available to me being the  XXXX  from  XXXX   XXXX .    XXXX .  XXXX   XXXX  statement 4. Enrolled in paperless statements AND letters - never received any emails about any changes to my account.

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 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On  XXXX / XXXX /  XXXX   I deposited a {$250.00} typed bank check from  XXXX   XXXX    XXXX   into my Bank of America checking account. The funds were immediately electronically withdrawn from  XXXX   XXXX  & deposited into my account. On  XXXX / XXXX /  XXXX  ,  four  days after the transaction was completed, Bank of America seized the {$250.00} from my account. As reviewing my account transactions on  XXXX / XXXX /  XXXX  , I observed that  BOA  had seized my deposit. I immediately began calling BOA customer service centers to resolve the problem. I was told on  3  separate calls to  BOA  customer service centers that the money was seized because the original check could not be verified. BOA claims the bank check could not be read well enough to be verified, yet their online banking center provides me a crystal clear image of the check in question. BOA read the check well enough to withdraw the funds from the correct  XXXX   XXXX  account, yet could n't read it well enough to keep the funds where deposited? I contacted the   XXXX   XXXX    XXXX   customer to discuss the issue & see if their funds were returned. The   XXXX   XXXX   XXXX    customer immediately began investigating the fund withdrawal through a  XXXX   XXXX  telephone representative. The investigation with  XXXX   XXXX  found that t BOA  did not try to return the seized funds to the   XXXX   XXXX   XXXX   or the  XXXX   XXXX  customer. BOA did not make any effort to notify me that they were actively withdrawing money from my account for any reason. My calls to  BOA  resulted in rhetorical circle explanations stating there was nothing I could do whatsoever to resolve the problem. In the manner in wh ich BOA  dismissed this issue, offering no resolve or assistance ; I do not believe this is an isolated incident. I firmly believe that BOA is performing these types of scenarios to people ( especially since the amounts are low enough to not afford a lawyer to take to court ). I truly believe  BOA  is running a scam, in small amounts to avoid massive public push back. They target random people, hoping to prey upon the elderly or individuals who speak  XXXX  as a second language who do n't know how to push back against an enormous corporation. The fact that the seized funds of {$250.00} makes me all the more suspect. Who, in their right mind, would hire an expensive lawyer to fight for {$250.00}? No one. Which means,  BOA  can conveniently make these types of monetary  seizures to  millions of bank customers and probably get away with it. This is an enormous illegal money making scheme that someone needs to investigate. I bet this scheme is netting millions from innocent customers.

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 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The following agency is not bonded in the state of Texas and can not legally collect debt.   Account Resolution Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , FL  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 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: CA

Complaint narrative:
This  2nd d ispute is explained in detailed with all of my attachments.     This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back.     First Progress Card  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX   XXXX   XXXX ,  2016  Consumer Financial Protection Bureau u Re  :  XXXX   XXXX   ( c ase number  XXXX  )    XXXX   XXXX     ( First Progress ) is writing in response to your letter   addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint.  Synovus i ssues secured credit cards backed by a cash security deposit ( Card  ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus  has been provided with a copy of this response.  XXXX   XXXX  requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files.       According to our records, this account was opened  XXXX   XXXX ,  2016 purs uant to  XXXX   XXXX  online application. The last payment, {$65.00}, was received on  XXXX   XXXX ,    2016 a nd posted to the account the same day.  XXXX   XXXX  called our Customer Service department on  XXXX   XXXX ,    2016, at  which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until  XXXX   XXXX ,    2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on  XXXX   XXXX ,  2016.        As  XXXX   XXXX  did not use the card after the  XXXX   XXXX  call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since  XXXX   XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase  ( gas purchases may  exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to  XXXX   XXXX .       As of today, we have reviewed  XXXX   XXXX  accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files.       Please contact me at the address above if there are any further issues with regard to this complaint.       Sincerely,  XXXX   XXXX   Vice President

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My home was foreclosed upon  XX/XX/  2012. Since that time, I have tried unsuccessfully to get the account to refl ect properly at a  XXXX  balance to no avail. Arizona is a non-deficiency/non-recourse state. Chase Mortgage continues to show a balance of  XXXX  and a past due amount of  XXXX . I have requested repeatedly for the balance to be removed and Chase has refused saying the balance owing at the time of default will continue to sh ow for seven years.  It has been pointed out to them on multiple occasions that Arizona is a non-recourse state. They say since they have quit trying to collect the balance, they are within their right to continue to report the amount owed at the time of the foreclosure. My mortgage company,   XXXX   XXXX  , has also tried to assist me in getting it removed so I can proceed with a new loan to no avail. Currently, this is preventing me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.

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 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am on an IDR which did not require me to make payments, however I continued to make payments towards the  XXXX  stafford loans to lower the balance. As I am reapplying for the IDR, it has come to my attention that even though my checks which notate the accounts for which it is to be applied, half of my payments were applied to Loans I did not authorize to be applied.     For over 1 year I sent checks, through my bank, which notated each of the  XXXX  accounts. Navient states they are unable to help as the money has been processed and thus, unable to reverse. Over {$600.00} in payments have been mis-applied, which is horrific considering the difficulties to make the payments. I requested payments to be made on  XXXX  and  XXXX  loans, but were applied to  Student Signature Loans   XXXX ,  XXXX ,  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have had a home mortgage with  Wells Fargo  for many years. I deiced to re finance my home with them. After I gave my appraisal money of almost {$700.00} to the people at the   XXXX   XXXX   XXXX   I never heard from them again. I called and called and nobody would return my phone calls. I finally went into the branch and demanded to talk the manger. After many more phone calls I found out they denied the loan due to a small problem that was fixed. However they did not contact me and tell my that my loan was denied for over   XXXX    days. Then they did not return my appraisal money. I had to make many more phone calls to get this done, and after that it took  XXXX  more days to get my money. Further more after I gave the   XXXX   XXXX   XXXX   all of my personal information I started getting many telemarketing call at my home, I NEVER got these before.I think that  Wells Fargo sold my personal information. DO NOT DO ANY BUSINE SS WITH  WE  LLS FARGO. I t hink there are being fraudulent with the public 's 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 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  is reporting misleading credit information information about me to  XXXX . My Lease was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  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 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX   is reporting misleading credit information information about me to Experian. My  Lease  was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  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 2017-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I had a car loan wit h  XXXX Toyota Financial,  got diagnosed with   XXXX   XXXX    XXXX   XXXX  so asked them to extend the loan for me, prior to extending the loan,  Toyota  took my car like a thief in the night in  XXXX    XXXX  . Car was repossessed without any opportunity to retrieve my stuff of value from the car.  Toyota  sold my car and send me a statement saying I owed nothing,  XXXX  balance, copy attached. Now, I understand that they are taking me to court and have indicated that I owe them {$8000.00} plus on my credit reports. I have tried to get the credit reporting agency to do the necessary adjustment/corrections with no positive response, they have stated that the company verified the information, even after submitting the attached statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I have been paying my mortgage payments to    XXXX   XXXX   XXXX   XXXX    on time for many years. My account was clean with them. Now we have new loan handler " Home Point Financial '',  XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX  ''. Their new statement says that I owe {$61.00}  (  Overdue amount ). I asked them to clarify the statement. They have send me the e-mail saying that I owe them from   XXXX   XXXX   and   XXXX   XXXX     I paid {$2300.00} on  XX/XX/XXXX  but due to some reason they have no record of receiving the    XXXX   XXXX    payment. I talked the agent and paid  XXXX  ( wire transfer ) and got the confirmation #  XXXX  that my account is clear. I paid on  XXXX  and  XXXX  and  XXXX  on time.   THE PROBLEM : The new company is not cooperating in correcting the problem. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Constar Financial Services, LLC
State: CA

Complaint narrative:
I 've received multiple calls, I believe 5 in total, about my husband 's private student loans, which he acquired long before we were married and I 'm not a cosigner on any of these loans. In fact, my personal cellphone, name or any other information is not listed anywhere on loan contracts or other paper work, ie. collection notices. First time I received a call fro m Constar Financial Services , I was very confused how they acquired my phone number and why am I even receiving this call. I asked them not to contact me again. Unfortunately, received several more calls in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit UNION refused to except my " promissory note, '' as an  ( security ) , as LEGAL TENDER, under current statutorial law. pursuant to the HOUSE  JOINT RESOLUTION 192 and public law 73-10, this credit union can not req uire an payment complaintant to pay neither GOLD, COIN, or any particular kind of currency of FEDERAL RESERVE NOTES, BANK NOTES, CERTIFICATES etc. as declared to be against PUBLIC POLICY ... Also the denial of my promissory note as LEGEAL TENDER, under Uniform Commercial Code and securities law clearly demands this authority. this credit union refused to except the payment of legal tender as law requires.   see titl e 31 USC s. 5118 ( d ) 2 ). title 31 s. 463 9728    XXXX   XXXX   XXXX   XXXX   XXXX  . This whole procedural is fraudulent. THUS putting this information on my credit information and social security information ....     Date :  XXXX / XXXX / XXXX  Amount : {$540.00} NAVY FEDERAL CREDIT UNION  XXXX   XXXX   XXXX   XXXX   XXXX , VIRGINIA  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my mortgage servicer  XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse    XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   )  the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

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