vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Good morning, I have attempted to close all my TD credit cards ( XXXX, and XXXX ) but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
Im contacting you regarding in proper banking practices regarding Us Bank home mortgage I have had my mortgage with this company since XXXX I have a serious health problem that I knew would result in XXXX and cause sometime off of work. Therefore, I made payments in advance in order to prevent and payments being missed. I did have my XXXX, and within the week my phone starts ringing about my mortgage payment I told the representative about my advanced payment but some how the advanced payments werent applied anywhere to my mortgage. I requested a payment history report. I was shocked the way this bank was applying my payment and moving money around in my account. Escrow payments are being moved into a advance payment accounts and then that money seems to disappear from my account. My payments are being placed in a suspense fund, them being moved to make payment to the account and then collecting additional late fees twice on the monthly payment. When the money is moved from suspense the payment dates dont change cause the same month to be paid multiple times. I have provided several examples of my payments being misapplied but nothing is ever updated or changed. All the payment history reports clearly show the misappropriation of fund, yet my account is never updated or changed it. Clearly this company isnt interested in excepting responsibility for their actions and correcting the problem. The company also returned my monthly payments I was making during this supposive investigation causing my payments to fall behind. I feel their only interest is to colect more fees and cause foreclosure due to the equity I have in my home. 
Also in XXXX after losing everything we owned in a historic flood, my insurance benefits had to be sent to the bank for them to release the money for our home repairs. Once the bank received our insurance check they refused to release my insurance money for home repairs until we where 90 % complete. Therefore I had to remove all money from a XXXX and max out my credit cards to rebuild my home while the bank held my money!! We never missed any of our payments during this devastating event We have been good customer to this bank, I feel a complete review of their policies and banking practices need to be investigated. I feel as a consumer my family is being taken advantage of by this institution and feel we are being bullied with foreclurer on a account that isnt past due All of the year end statement this company provided shows overpayment on this account every year as well as missing money from escrow, advance payment accounts and my suspense fund

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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Medical & Professional Collection Services, Inc. NC.
State: IL

Complaint narrative:
First when was this bill issued for me and why I haven't been to hosptial for many years and I have been on public aid medical card for year 's now no reason why I should have any bills from any hospital since 2007 till now .. I have tried to contact thos company but I get no one, only a machine on the other hand .. I believe I'm not liable for this bill thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I have asked this company to very the debt with a dispute letter sent on XX/XX/XXXX of this year as this is not owed. They have not responded and I would like this entry on my XXXX credit report deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: MN

Complaint narrative:
Municipal Collections of America is attempting to collect citations from 2011 based on a photograph picture of a license plate. It was a car that I was not driving at the time nor have I ever driven in XXXX XXXX, IA. I could take pictures of peoples plates and send them debt collections letters so maybe this is a scam. either way they were only able to give me the make and model of a car I used to lease and an address that I haven't lived at in 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my CBR as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act.

Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency.

Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB 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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have asked this company to verify the debt with a dispute letter sent on XX/XX/2018 and they have not responded. I would like to have this deleted from my XXXX  and XXXX credit reports for lack of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I submitted an additional inquiry into an incorrect reporting and shallow investigation tactic carried out by Early Warning System about a XXXX XXXXXXXX XXXX listed on my Early Warnings Report. Early Warnings confirmed that were in receipt of my dispute on XX/XX/2018. More than 30 days has passed and there had been no response on the results of their investigation in that I requested a full removal of the incorrect recording of a XXXX XXXXXXXX XXXX account on their report. I am now demanding a receipt of this record being removed/deleted from the report they have compiled under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received a notice of an escrow shortage of {$350.00} based on review in XX/XX/XXXX. This shortage would only happen if taxes of {$4000.00} were paid in XX/XX/XXXX, rather than in XX/XX/XXXX ( the due date for the taxes is XX/XX/18 ). If Wells Fargo allows my XX/XX/XXXX escrow payment to arrive in my account prior to paying taxes, there will no longer be a shortfall. I spoke with several Wells Fargo reps on XX/XX/18. At first, they tried to argue with me about the due date ( the website for XXXX County clearly shows the due date for taxes is XX/XX/18 ). Then there was a subtle threat that if Wells Fargo waited until XX/XX/XXXX to pay the taxes, they might not get there on time and I would be charged a penalty. I expressed my full confidence that Wells Fargo is capable of getting a tax payment to the county on time between XX/XX/18 and the required postmark date of XX/XX/18. Finally my inquiry was forwarded to corporate. I received a letter dated XX/XX/18 from XXXX XXXX stating that the tax payment for the property would not be made until XX/XX/XXXX, but did not mention adjusting my PITI mortgage payment to no longer collect the shortfall. My XX/XX/XXXX statement is billing me for a total to include a payment toward the shortfall. I called again on XX/XX/18 to request that the payment be adjusted to not collect to cover the now non-existent shortfall. I did not hear back from Wells Fargo by the time of the promised resolution date of XX/XX/18. I called on XX/XX/18 and was informed that I had been sent a letter denying my request to have the payment amount adjusted, but that I can later request a refund. The representative stated that this is because another escrow analysis is not scheduled to be performed immediately. I am asking that Wells Fargo perform the escrow analysis and adjust my payment due to lower it by the amount being charged to cover the now non-existent projected shortfall.

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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I sent a request XX/XX/2018 to lexisnexis for removal of public records since they were past the time getting a response from the credit bureaus. LexisNexis responded with a disclosure report instead. This violates FCRA regulations ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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:
Equifax credit bureau has had my identity theft information since XX/XX/2018 and all verifying information. I sent the same inforamtion to experian and transunion and they have rectified the problem in accordance with the fcra. Equifax refuses to remove the fraudulent information. I have spoken with the colleciton companies and submitted the fraud information to them as well and they have told me that they are not reporting the fraudulent items. Equifax has had well over the alloted time and has not updated the credit reports even though it is not being reported by any collection companies. They have not in any way investigated and removed the items. They are as follows, XXXX XXXX/fraudulent, XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent, XXXX XXXX XXXX/fraudulent. I have faxed, mailed and called equifax they have refused to update the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: AES/PHEAA
State: NJ

Complaint narrative:
Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: IL

Complaint narrative:
In XX/XX/2017 Oceanside changed it's processor. I sent a manual payment using their software for XX/XX/2017 and attempted to set the the ACH transaction for further payments. 
As far as I could determine, the payment was set up correctly. It appears that it was not for XX/XX/2017. 
Unfortunately, I was not able to monitor this failure to process a payment since my wife had undergone a second XXXX to XXXX  a XXXX  XXXX   XXXX  in the space of three weeks. Additionally, we were still dealing with the aftermath of a XXXX  XXXX of a XXXX  XXXX  earlier in the year, with wound XXXX complications. 
Also, I had XXXX with XXXX to respond to both Hurricanes Irma and Maria spending over 37 days in the field. With my wife recovering from surgeries and my being gone it was difficult to keep any control over what was going on. 
I realized that an issue occurred reviewing XX/XX/XXXX banking transactions. I had a conversation with Oceanside and set up a workout program to make things whole. 
Unfortunately, not trusting the software that Oceanside had set up, I sent manual payments through my bank. It appears that these payments got lost at Oceanside and did not post appropriately. 
Thus Oceanside is marking these as delinquent even though payments were made. Multiple attempts to contact them have not resulted in any resolution of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: TX

Complaint narrative:
My complaint is against Equifax, XXXX, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to Equifax, XXXX, and XXXX. The problem that I am having is, Equifax, XXXX, and XXXX, still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's Equifax, XXXX, and XXXX  responsibility to correct the problem and Equifax, XXXX, and XXXX  says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I purchased a vehicle at the XXXX XXXX XXXX in XXXX Florida on XXXX XXXX XX/XX/2018. I initially swiped my American Express Blubird card that i get my direct deposit on. It declined. I got paid that same day. I then used another source of payment. Later on that day i realised that my account was {$700.00} short and the payment was indeed accepted, but it was not in the dealerships ledger. I then contacted American Express customer service and i could not get any information on my account because their " system was down ''. My {$700.00} has been on hold for 3 days. I contacted American Express again this morning and they continued to tell me my money is on hold through an automated system and there is nothing they can do about it. I have car payments and bills, {$700.00} is a lot of money that i need right now, not in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: NJ

Complaint narrative:
Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
In XX/XX/XXXX, my wife and I took a mortgage with XXXX XXXX  XXXX  in the amount of {$80000.00}. The loan had a 15 year amortization schedule, maturing in XXXX XXXX. After XXXX was acquired, the loan was sold to XXXX and is currently being serviced by Select Portfolio Servicing , Inc ( beginning in XX/XX/XXXX ). Our original agreement with XXXX included the purchase of joint liability credit insurance and we paid those insurance premiums each month. In XX/XX/XXXX, I suffered a severe XXXX that caused me to be unable to work. When we requested insurance relief through this XXXX policy, we were told that we never purchased the insurance, despite the fact that we had payment statements that noted the portion of our monthly payment that went to the insurance premium. 

During my rehab, we requested payment assistance and we were provided with a forbearance for a number of payments over the course of that year. The total amount of deferred principal is {$2800.00} ( 4 payments ). We never signed an amendment to our loan nor any forbearance agreement. What we did not know, and were not informed of, is that getting relief on these payments resulted in {$11000.00} of deferred interest being added to the principal of our loan and for the last 8 years it has continued to accrue interest on top of that. Now, after 15 years of paying down this loan, we were informed by SPS that our outstanding balance was {$29000.00} almost 40 % of the original balance when we expected the balance to be nearly paid in full ( except the payments we requested relief on ). This payoff amount includes the {$11000.00} of deferred interest that was never disclosed to us in any form. Had it been disclosed, I would have been able to decide if we even wanted the deferred payments or if we would come up with the payments in some other way. We can not afford to pay off this amount and we are concerned that we are going to lose our home. 

I requested all of the documents that were part of our mortgage loan file from SPS and they were unable to provide me with any documentation regarding the deferred interest and had very little information regarding our loan at all ( they couldn't provide the original note agreement nor most of the file from before they acquired it ). They were also unable to provide any documentation regarding the joint liability credit insurance. 

I am XXXX years old and a XXXX XXXX veteran. SPS 's collection activity is deceptive and unfair and I think they are trying to take advantage of me because I am elderly. Despite the fact that SPS can not provide any documentation regarding this deferred interest and other fees that have been added to our account over the years, they have stated that they can't do anything about this outstanding amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
company calls repeatedly in regards to debt. 
Debt collectors speak to me in a very hostile manner. 
Have asked company to stop calling on several occasions. 
Call 5-6 times daily. 
Company has threatened to sue me and garnish wages. 
Refused to send info. or answer questions regarding debt. 
Debt collector states that they dont need to notify me when account is sold.

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