vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is what I have written to TransUnion after they falsley recorded a negative entry on my credit file : _______________Letter with evidence to TransUnion_________________ Dear Sir/Madam : I am disputing your credit report on my file number XXXX as these are completely inaccurate entries on my report regarding XXXX. I have complained to you and you have declared that your investigation is complete. You also mentioned that, " For details, see below ''. However, that " below '' is empty- blank! - Nothing is in there. 

You are the protector of our financial practice and we depend greatly upon you. However, I have no idea if you even looked at the documents I have sent via US mail. My documentation has enough evidence to support that I am not responsible for XXXX. I understand you business depends on these clients like XXXX, but how about general consumers like me? 

All of these started when I tried to move my service to another carrier. How a telephone company owe {$2100.00} to XXXX individual? What were they doing? Are they really in proper business practice? How did I switch my service including phone numbers to XXXX from XXXX if I owe that much as they claim? 

I have provided you with some information and I am not convinced that you looked at it. So, I am sending more proofs in writing in a chronological order. I am also sending copies of these documents to other federal and state agencies, including the XXXX finance committee. 

As you can see from the attached correspondence, in chronological order, I repeatedly contacted XXXX, after they cancelled/suspended my account due to the fact that I told them about my desire to switch XXXX Company and made every possible attempt to resolve these issues and made so many phone calls and emails but XXXX never responded. If XXXX can provide any communication in response to my correspondence/emails, besides asking calling them, I would like to see those correspondences. I appreciate it very much if you can tell me how you have accepted such a bogus claim and put on my credit report? 

I wish I could submit this online, but your site did not work and suggested me to mail the complaint. 

Sincerely, XXXX XXXX XXXX ___________End of my letter_____________________

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 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Resolve Partners, LLC
State: FL

Complaint narrative:
the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: WI

Complaint narrative:
I continue making extra payments and they keep applying to interest on loan. 
I feel Great Lakes is a predatory loan company. 
At this pace I will never get out from under my student loans. I keep sending money and my balance only grows despite me paying more then the minimum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not " waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a " waiver '' for a late payment. 
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers. 
She ended the call with a 'smug ' " Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action. 
A very dissatisfied customer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: DHI Mortgage Company
State: SC

Complaint narrative:
Signed contract and applied for a End Loan with XXXX XXXX/DHI Mortgage in XXXX XXXX. I provided all my documentation right away within 30 days of the original contract date ( information was sent by way of email directly to the Mortgage Loan Officer ( MLO ) and can be provided ). Per the contract I was suppose to have a pre-approval within 30 days of the contract. I did received a pre-approval/Conditional approval letter until XXXX/XXXX/XXXX and the home was completed the end of XXXX XXXX. Through this process my credit report was pulled multiple time with out my knowledge ( my credit score started and remained over XXXX last pull my credit score was XXXX. Each time a different hurdle came up. I jumped through hoops each time to satisfy the request. In the end the loan was denied stating it did n't meet their guidelines. The contract was voided without my knowledge and I was n't even given the 45 day notice to obtain financing with another lender. The sale price on the property was {$250000.00} and it on the market for {$270000.00}. The home appraised higher than anticipated therefore I feel my family and I have been taken advantage of in many ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TMX Finance LLC
State: TX

Complaint narrative:
DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Calling a place of business repeatly after bring asked not to call a place of business to locate the debtor. Calls occurred XXXX XXXX XXXX and again XXXX XXXX, XXXX. 
Company is Express Recovery Services, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX https : //www.expressrecovery.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Hello, I have had this Nordstrom credit card for year. I always pay my payment on time. One month in XXXX Nordstrom reported me 30 days late. They reported me late because Apparently I did not make the full payment so they say. I made the payment through my mobile app when i made the payment the mobile app had the amount due of {$95.00}. The {$95.00} is what was paid. Days later the app told me there was still {$98.00} due so i paid this on the XXXX of XXXX. Which still is not 30 days late. I went into Nordstrom to make a purchase and the cashier told me i could not use the card until a {$10.00} payment was made. This is when i made the payment with the cashier on the XXXX of XXXX. Once i made the payment i asked why, and she explained that i did not make a full payment and XXXX was what was not paid. I explained to her my mobile app had one amount due and logged me off then when i check days later it had another amount due. She told me to call the XXXX number to see why and make sure everything was ok with the app and she recommend me removing it and adding it back on. when i called the representative said the system may have been down, or was being fix on. Later when i made my payment for XXXX i was charged a late fee and i did not know how. I paid what my mobile app told me to pay, in a way i feel the information should be accurate. I have paid my Nordstrom bill every month on time. If i was late no one notified me? This is derogatory information hurting my credit. If i would have never went to the store i would have never known i needed to pay {$10.00}. I would like for them to remove this information because i have paid my payment each month and never skipped a month. If the payment was short {$10.00} the app is the reason and i should not be penalized because their system may have been down that day. I disputed it with Nordstrom and they sent me a letter but the information was still inaccurate it went from late in XXXX to late in XXXX. I disputed it again and it went from late in XXXX to being late in XXXX. i am writing CFPB to seek help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
MY LOANS WAS SOLD TO CALIBER HOMES FROM XXXX MY MORTAGAGE HAS RESPA VIOLATIONS ON AND I HAVE A 7 PERCENT INTEREST RATE I WILL NOT LET THESE MONSTERS TAKE MY HOME, I WANT A MODEST INTEREST RATE AND A REDUCTION IN PRINCIPAL I OWE XXXX ON MY HOUSE ITS WORT XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.

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 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV

Complaint narrative:
My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I opened a Victoria 's Secret account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote Victoria 's Secret a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired XXXX to harass me relentlessly by calling. I made a mistake of writing a check to XXXX ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
We have a dentistry loan ; my husband needs massive dental work, and despite having XXXX dental policies, we 're still regularly paying thousands out of pocket for his care. We were granted a loan at our dentist 's office through XXXX ( a 3rd party credit card that our dentist contracts with ). On its face, this loan is attractive - there 's a one year no interest grace period. However, after that year, the interest rate becomes 23 % and the interest is compounded. We had always planned to pay the balance off before the 23 % and compound. 

A few months before the grace period expiration, my husband needed another {$1000.00} in care. We were offered another loan, and we asked, " will this resent the grace period on the loan? '' We were told that it would at the dentist 's office. It did n't. We noticed an additional fee of almost {$1600.00} earlier this week, so we spoke first with our dentist about it, thinking that it was an office error. 

The dentist 's receptionist who gave my husband the information that the new charge would reset the grace period, ( XXXX ), was unhelpful and went and got the office Manager, XXXX. XXXX explained to us that the grace period would only be for the new balance and that even though we have XXXX card, it 's counted as XXXX transaction. We told them what we had been told, and they shrugged it off with a half-hearted apology. It would have been nice to know all this three weeks ago. 

I have already discussed the situation with the dentist 's office and reminded them of the laws governing contracts and contract fraud - as well as the fact that intent to defraud is n't required. We also contacted XXXX - the best that they could do was remove XXXX of the XXXX interest, DESPITE the fact that we paid the balance in full today ( {$5600.00} ). 

My issue is that 1. there 's a communication error somewhere between The XXXX XXXX and the people signing customers up for their product. 2. That miscommunication is costing people copious money - XXXX on XXXX principle is ridiculous. 3. Once the error becomes obvious, there 's no recourse to the consumer. 4. Individuals at the XXXX XXXX are n't all rude but XXXX that we dealt with were very rude in discussing this. 

We have always paid our bills, and I feel that this is a scam to lull sick people who need large amounts of dental care into these ridiculous interest rates and unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc.
State: HI

Complaint narrative:
This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
Got a home loan from caliber. After 3 months the note was sold to XXXX. Caliber sent notice of sale an to no longer send payments to them. The other bank never had it set up. Learnt after many attempts to make a payment that the paperwork was not submitted in time so they did n't except it. Caliber has closed the account an will not take a payment. It has been 4 months an worried of forclosure. Caliber will not discuss anything saying the account was sold. This dispute over someone not getting the paper work done is gon na cost us the house. We have made many attempts to resolve this with certified letters an having an attorney send both company 's letters with no luck. They should not be able to do this to people an get away with it. There should be a law to protect the home ower. Average people do n't have deep pockets to keep paying lawyers to fight for something that 's the mortgage company 's fault!

Company response to consumer: Closed with explanation