vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint bought my mortgage from XXXX XXXX last XXXX. I provided them with a Declaration of Insurance from XXXX and they had {$4600.00} in insurance escrow to renew the policy which was up in 30 days for renewal. They failed to renew the policy. Never notified me about it. In XX/XX/XXXX Shellpoint had " notified me '' via mail which I never got that they were going to buy new hazard insurance. I never got information on the company, the coverage etc ... 
Fast forward to XX/XX/2019 my monthly payment went from XXXX to {$1100.00} without my permission or knowledge. 
Contacted the company and they have had NO ANWSERS but somebody will get back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
On Monday, XX/XX/2019, I received an unsolicited, direct deposit credit card from Netspend. 

I have been unable to reach a live person at the company to cancel this card. 

The telephone numbers on the card ( XXXX, XXXX ) are automated messages for activation only ; and the enclosed literature does not provide anything different. 

I understand, by reading the customer complaints on the Netspend 's web site, that if the card is not activated or goes unused for 90 days, a monthly fee of {$5.00} per month is billed. I would like to avoid this and have this card cancelled. 

Netspend is located at XXXX XXXX XXXX, XXXX, TX 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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have asked Transunion to remove all non account holding inquiries by sending in a letter with dispute information. Transunion did not remove the non account holding inquiries from my report. I have attached the highlighted inquiries that I want removed.

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 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
1. XXXX XXXX XXXX issues Mortgage 2. XXXX XXXX XXXX Issues Mortgage Modification ( lower rate ) 3. Filed with County Clerk CNY 4. XXXX approx. Mortgage sold to Freedom Mortgage 5. XXXX approx. Mortgage servicing transferred to XXXX XXXX 6. XXXX -approx Mortgage servicing transferred to Freedom Mortgage 7. XX/XX/XXXX Freedom Mortgage advises Loan Paid in Full, Note and Satisfaction being sent/filed. 
8. XX/XX/XXXX Freedom Mortgage advises they can not issue satisfaction as they do NOT have note, nor any record of assignment. 
8a. Freedom Mortgage Number and XXXX XXXX XXXX numbers match 8b .Freedom Mortgage claims Lien filed by XXXX XXXX has no relationship to them 9. XX/XX/XXXX XXXX XXXX declares they are out business 9a. Declares as a courtesy they will file satisfaction if 9b..They are paid {$600.00} 9c.. Receive letter from Freedom Mortgage authorizing release 10. .Freedom Mortgage advises they have no knowledge relationship with XXXX XXXX and therefore can not issue requested letter of release. 

11. My ownership is threatened, I can not refinance, nor sell my property.

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 2019-07-25 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Complete Your Credit Picture! Get All 3 Bureaus Accounts How to dispute Revolving Account Name Balance Balance Date Monthly Payment Term XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  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 2019-07-25 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: SD

Complaint narrative:
I returned a leased GM vehicle XX/XX/2019 and received a bill dated XX/XX/2019 onXX/XX/2019 stating amount due for disposition fee and damages {$1100.00} due by XX/XX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XX/XX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from GM financial XX/XX/2019 in the full amount of {$1100.00}. I called XX/XX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to GM financial I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to GM financial but could not remove the delinquency and suggested contacting CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX, my brother 's telephone received the following text. The lady identified herself as XXXX XXXX and left a voice message sounding as if I was in big trouble and committed a crime, so I called the number XXXX XXXX XXXX and a man answered with Hi this is XXXX. I asked who he was, he said XXXX XXXX with XXXX or something, then he said Civil Arbitration something, I was nervous. He went thru a spill about me, that I had a Fifth 3rd bank account go overdrawn, it was back in XXXX. And how I could be charged with fraud and gave me several options. Again I was nervous so I ended up giving my credit card number and agreed to pay {$100.00} a month until paid in full. After the call I spoke with Fifth Third Bank, the lady said this did not sound right to her, a lawyer and he suggested canceling the card as did a few other people. I canceled the card, Then they sent me the XXXX Payment Email, So I did. Today I contacted CFPB. Thanks for being there! 

Text we received minus our names, New Voicemail Message from Unknown Number " Hello this message is solely intended for. My name is XXXX XXXX I'm contacting you in regards to a service of your legal documentation that I have received from you in my office. I'm contacting you in regards to the service of your legal documentation that I have received for you in my office. I have been schedule to make an appearance to either your residence or place of employment tomorrow XX/XX/XXXX between XXXX and XXXX XXXX. If I'm unable to get a signature on your documentation it will be recorded as a direct refusal to comply on your behalf in the process will continue without you being that this-is (? ) a time sensitive matter that is .... '' - XXXX Mailbox has a new voice message from Unknown Caller ( Unknown Number ). 
Length : 66 seconds Received on : XX/XX/XXXX XXXX ( EDT )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Error Icon Message not delivered There was a problem delivering your message to XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX Date : Wed, XXXX XX/XX/XXXX XXXX XXXX Subject : Please help me with my mortgage. 
I have enclosed this letter tp you ; I have all paperwork involved in this. I sent it to my XXXX lawyer for my dire need to appeal my denial with social security XXXX. I have already had a loan modification with Wells Fargo in XXXX ( which I think they messed it up and charged me forcloser fees but I never was in forcloser. The fees are over {$1400.00}! ). They have also put a stipulation in my loan saying I can't get any assistance from any financial institution for it will put my accelerate my loan ... I don't know what else to do. My XXXX and other medical conditions can't take much more of the XXXX. My husband has a part time job that is also a on call type and he only brings home about {$250.00} month. He had a job but was let go due to his pay interfering with their profits ( their words ). I have already asked relitives, of which I did get money and put {$800.00} towards my mortgage but it seems that's not enough. Please help us not lose our home. I have lived here about 13 years. Thank you. Sincerely, XXXX 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 2019-07-25 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: WA

Complaint narrative:
Transunion is incorrectly reporting a collection in the amount of {$10000.00} on the XXXX XXXX  XXXX XXXX  partial account number XXXX. ( Please see page 21 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, but I have not been successful.

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 2019-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Amplify Funding in the amount of {$1200.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff.There is no early payoff per se. I received an email from Amplify with a payoff proposal in the amount of {$1100.00} only to have my bank account still drafted on XX/XX/XXXX for {$400.00}. I have not received any additional communications from the company. when I login to the portal it only reflects that the account is in Collection activity!!! To protect my back account and my future financial status, I want this matter investigated and adequate payment documentation and a correct payoff balance in writing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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:
Pleasereversethelatepaymentsreportedonthefollowingaccounts:XXXX/XXXXXXXXandXXXXXXXXXXXXTheaccountswereneverpastdue,inevermadealatepaymenttothiscompanyeverpleasechangethis,ihaveagoodrelationshipwiththesecompanies.

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 2019-07-25 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase First Card allowed XXXX XXXX XXXX XXXX to charge to my credit card an additional {$780.00}, four months after my stay there, without my authorization. The dispute revolves around points used to stay at the hotel that the hotel said was sufficient at checkout but four months later negated that agreement. I have attempted resolution with Chase twice. I never authorized the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Previous complaint # XXXX - XXXX filed XX/XX/XXXX.TCF Response dated XX/XX/XXXX " Acknowledges {$140.00} in overdraft fees '' and only refunded $ XXXX Still owes me $ XXXX of the Total {$140.00} AND - I -did NOT " Agree to a " Partial payment '' - My Status is " OPT-OUT-No Fees '' - {$85.00} is What is Still owed to me- For TCF Bank " charging/withdrawing my Money out of account '' OPT-OUT " Means NO_FEES **. 

_________________________________________________________ AND, Under ( previous/Above/Complaint ) and Under TCF Response - Also, Acknowledges : Under Minnesota XXXX Courts XXXX ; XXXX TCF is to pay refunds to customers who " at the time between XXXX who ( where ) in OPT-IN- to overdraft services and paid overdraft fees that were ( NOT ) waived or refunded, and otherwise meet criteria specified in the CFPB and OCC-reviewed ( refund ) Plan. Enclosed are ( Proof of " Actual '' statements for XXXX the Amounts Year-to-Date of the " Overdraft fees '' for Each Year- TCF- as with above ( previous complaint ) Response " Acknowledges " account ending in XXXX for XXXX the Total Fee " reversed '' is {$590.00} '' XXXX 

XXXX Total overdraft fees {$1600.00} - minus {$210.00} reversed = {$1400.00} still owes ( me ) *** XXXX Total overdraft Fees {$730.00} - minus {$35.00} reversed = {$700.00} still owed to me **** XXXX Total overdraft fees {$640.00} - minus XXXX reversed = {$430.00} still owes meXXXX XXXX Total overdraft fees {$300.00} - minus {$140.00} reversed/refunded = {$160.00} still owes me ****** Grand Total = XXXX {$1400.00} / XXXX {$700.00} / XXXX {$430.00} / XXXX {$160.00} / ____________________________ TOTAL {$2700.00} OWED TO ME ___________________________________ REVERSED ( refunded amounts ) : XXXX {$210.00} XXXX {$35.00} XXXX {$200.00} XXXX {$140.00} _____________ total refund {$590.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: UT

Complaint narrative:
XXXX XXXX is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.

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 2019-07-25 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: UT

Complaint narrative:
XXXX XXXX is reporting a XXXX late in 2015 that I should not have. I never received any statements or notification about this late, I always make my payments on time and when I did finally find out about the late I paid it immediately. I don't know why my account was late this one time and would appreciate it being removed.

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 2019-07-25 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Our card was fraud charged repeatedly on 5 purchases in California, we live in XXXX, FL XXXX XXXX XXXX CA {$100.00} XXXX XXXX XXXX CA {$250.00} XXXX XXXX XXXX CA {$560.00} XXXX XXXX XXXX CA {$610.00} I was also a pending transaction {$550.00} not available on statement yet. 


They approved purchases over the credit limit. 

Fees Charged Late Payment XXXX XXXX {$38.00} XXXX when we paid on time. 
We had made numerous called since XXXX, also signed and send an affidavit. 
Their respond is to call back, and continuously calling us requesting us to pay those fraud charges. They continue to ignore our calls to solve the problem. We'll being threaten to damage our credit if we don't pay the minimal of {$400.00}. when our monthly payments is {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: UT

Complaint narrative:
XXXX XXXX is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.

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