vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a TD Bank Credit Card account in2018 to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my TD Bank account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and TD took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked TD for an explanation, but after two letters and an E-Mail contact, I have not received one! They seem to be ignoring me.

My position is that TD Bank made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I recently refinanced my mortgage and Shellpoint Mortgage is no longer my loan servicer. 

The refinanced loan closed on XX/XX/XXXX. The escrow balance from my XXXX statement totaled {$1200.00}. 

I was just notified this week that the escrow reimbursement only totaled {$1000.00}. Shellpoint instead of working with the title company inappropriately deducted 3 days of per diem interest from the escrow balance that I was due. 

This is not appropriate and have not heard back from Shellpoint   with a response. Another major issue is the title company told me the wire was sent to Shellpoint or XX/XX/XXXX however the payoff was not noted on my account until XX/XX/XXXX. 

I have included both the XXXX mortgage statement and the transaction history received from Shellpoint on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX my father took out a reverse mortgage with Wells Fargo Bank. The problem is that I was already om the deed as a joint tenant when Wells Fargo issued the loan. Mrs. XXXX, ( representing Wells Fargo Bank ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 
In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 
Fast forward toXX/XX/XXXX. XXXX XXXX ( also known as XXXX XXXX, and XXXX XXXX XXXX ) is suing me for quiet title to my home and judicial foreclosure. 
HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for Wells Fargo stop collection efforts and pay XXXX taxes. 
I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX  sons, my XXXX daughter-in-law, and my XXXXyear-old grandson.

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 2019-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: DriveTime
State: OH

Complaint narrative:
Fraudulent Drivetime car sales and XXXX lending Hello, In XXXX of XXXX my husband and I purchased a car from Drivetime. They set us up with a payment plan/loan with a lending company called XXXX. 

Drivetime XXXX XXXX XXXX XXXX, Ohio XXXX # XXXX-XXXX-XXXX / XXXX XXXX and XXXX XXXX On XXXX we set up XXXX as a payee to our account and we sent our FIRST PAYMENT payment on XX/XX/XXXX. However, XXXX was not a recognized entity so a check was send via snail mail. Our banking institution, XXXX XXXX, XXXX, Ohio, verified all of this. A check, indeed had cleared on XX/XX/XXXX but was never processed by XXXX unbeknownst to us? This was our 1st payment. 

XXXX, XXXX Az, I have only an online link. 

On XX/XX/XXXX at XXXX XXXX in the morning and without any warning a tow truck showed up in our driveway. The " gentleman '' who was hooking up our car simply said we had not made payment ... We knew we had, we got to our records in the 15 minutes it took for him to hook up our car, but he refused our records. And, well, we felt threatened, scared is a better word. 

Towing company, XXXX XXXX # XXXX-XXXX-XXXX  Luckily we are in good financial standing. XXXX gave us the run around. The next day we went to our main banking institution for advice. They called XXXX and the person on the phone told the banker and my husband we had 2 options, Pay the full amount or buy the car back at auction. YES, they said to BUY the car back at auction. In the meantime our car was mysteriously sent back to the Drivetime car lot? 

As I said, we are in good financial standing and with the help of XXXX XXXX we were able to pay the car in full. However, XXXX and Drivetime said it would take 14 days to process even though our banker told them directly that the check would be emailed immediately and notarized. But why was our car already back at the Drivetime lot? Just 24 hours after it had been towed? 

After we made payment we took the paper work to the Drivetime dealership directly. We called the XXXX police and they accompanied my husband. I found the car in the lot, license plates already removed. A long story short, they released the car to us and the title was sent in the next seven working days. 

We want to report Drivetime and XXXX as fraudulent companies. What if we did not have the means? What if we were a single mother? Poor ... we do not want to see this happen to anyone else, we were scammed and lucky for us could work through it. 

We have written several letters over the last year and then I came upon your sight. And have great faith you can help. 

If anything additional is needed, I am happy to provide. Many thanks for all you do

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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and found that a bankrupcy appears on my report. That bankrupcy was discharged by a judge on XX/XX/2015 and should be removed from my credit report. Experian and the other two credit reporting companies have not done this yet. I've attached a copy of the court order discharging this item. Thank you.

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 2019-04-04 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I settled an old XXXX account that was in collections with CREDIT COLLECTION SERVICES. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around 723. I found out today by XXXX alert, that my credit score dropped 79 points due to being Flagged by Credit Collections Service on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called XXXX  asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my XXXX Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to  know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. 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 2019-04-04 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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. 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 explanation
Consumer complaint received 2019-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter to Trans Union, asking them to investigate errors on my credit report. This letter was mailed to them on XX/XX/XXXX. Over 30 days have passed, and they have not responded yet.

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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted loan modification documents to Wells Fargo 's attorney on XX/XX/2019. Wells Fargo 's attorney 's, XXXX XXXX has continued foreclosure proceedings on XX/XX/2019. The foreclosure trial is scheduled for XX/XX/2019. The mediator coordinator, company address and phone number is : XXXX XXXX | Mediations/Loss Mitigation/Client Legal Analyst XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX : XXXX | O : ( XXXX ) XXXX ext. XXXX | F : ( 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 2019-04-04 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:
XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: NV

Complaint narrative:
Each time i fax requested material to XXXX they would post to my TransUnion account that location where the fax came from. I am demanding that this stops now. Contacting the places where faxes come from me, and adding them to my personal living information is fraud. This must cease and desist now. As posted by XXXX and TransUnion on each day of fax NEW ADDRESS INFORMATION RESIDENT ( S ) XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, NVXXXX XXXX XXXX PHONEXXXX DATES OF RESIDENCE XXXX to XXXX. This is harassment. It appears that they are attempting to scare me or attack me by locating me each time a fax goes 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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The bank is trying to foreclose on our home again for the 4th time. The bank has lost in court 3 times. The judge has ordered that this case was closed and that the deed and note was invalid. The bank is using the foreclosure process illegally to obtain my property by fraud. The are using the court as coercion to take my property. We are not getting our legal fees back. We are in our XXXX. They are trying to deplete our funds. They are depleting our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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:
I opened a XXXX XXXX Credit Card account inXXXX to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my XXXX XXXX account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and XXXX took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked XXXX for an explanation, but after two letters and an E-Mail contact, I have not received one! They  seem to be ignoring me. 
My position is that XXXX XXXX made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!

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 2019-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Regarding Chase/AARP credit card # XXXX XXXX XXXX XXXX. Primary cardholder is XXXX XXXX, XXXX with XXXX XXXX as an authorized signer. On XX/XX/XXXX we received a revised statement from Chase Bank regarding our credit card account which has been closed since XX/XX/XXXX due to fraudulent activity. The revised statement stated a new balance of {$0.00} with a minimum payment of {$0.00} with a credit of {$350.00} which because of the account being closed we could request a refund check be mailed to us. We've called once a week since then and was told the check was mailed out twice and on XX/XX/XXXX we were informed the check was cashed on XX/XX/XXXX. The only problem being we never received the check, never saw the check and certainly never cashed the check. Now we have to wait for a letter and a copy of the cancelled check and then we have to file a police report for fraud, I then have to call Chase with the police report number and maybe they will issue another refund check to us. We have had issues with Chase Bank regarding fraudulent activity for 1 year which we have been trying to resolve. I have spoken with numerous people on numerous dates about this issue, We had 7 new credit cards from Chase because every time fraudulent activity was detected, that account was closed and a new card was issued. Our last card was closed on XX/XX/XXXX and never reopened. We have had so many excuses from them I lost count. I want the {$350.00} we were promised by them and I feel is the least we are owed. The things are still not settled. They keep on saying they are mailing us stuff which we don't get, the things we are not getting are the things that are supposed to help us get our money. If I could afford a lawyer I would of gotten one months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Experian stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Experian did not send me any proof ( original signed, consumer contract with my signature on it ) for any of the negatively reported items on my report.

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 2019-04-04 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.

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