vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Today my wife and I decided that we wanted to attempt to receive a HELOC or HELOAN through our 1st lien mortgage company, quicken loans. Upon arriving at this decision, we went to the website and clicked on the chat option. XXXX XXXX was the mortgage loan officer who assisted. At the beginning of our conversation he asked " What needs do you have and how can I can help? '' I answered, " I'm looking to get either a heloc or heloan for 15-17k to consolidate " X '' amount of credit cards. '' He say 's okay, I can help with this. After telling him what the goal was and how I'd had a previous conversation with Quicken, he requested information to run my credit ( all the while knowing i was specific in stating I wanted a HELOC or a HELOAN. After he pulls my credit he informs me, we can't/do n't provide HELOC 's NOR HELOANS at Quicken. This is repulsive. I demand that this inquiry be removed from my credit because of his unethical conduct. I'm development officer for a bank and if I or one of my employees did this to a client, they'd be immediately dismissed and so would I because it's an unethical practice. I CLEARLY identified my need. If he knew he couldn't provide that then proper thing to do would've been to state " XXXX XXXX, I know you said you're interested in receiving a HELOC/HELOAN. We do however have another option. We can do a cash out refi which is xxxxxxxxxxxx '' I would've kindly thanked him for his time and moved on as I'm not interested in losing the low 3.99 % APR on my first mortgage to refi at a 4.75 or ANYTHING higher than where I'm at now with additional closing costs and origination fees. The behavior is absolutely unacceptable and is the primary reason our industry has such a skewed perception and vision of how do business. I want the inquiry REMOVED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
union bank mis directed funds without my consent., over drafted the account now the have sent it to collection to the 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 2018-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I had a car with XXXX XXXX and I didnt have the car a full 2 months and I turned the car back in because I went out on FMLA leave due to medical cal issues. I asked if I could pay my payment late or lower my payments and they refused. I repeatedly asked for help and they just kept threatening to repossess the car. So I turned the car in and now they have it on my credit as repossessed and they have already sold the vehicle and put it on my credit as a repossession. I can not even get a car anywhere else because of the repossession. Please remove this from my report because I am in need of another car plus my son has a XXXX and I can not purchase another car with this 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 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OK

Complaint narrative:
i send a {$300.00} moneygram to XXXX. when he went to retreive the money. they were unable to look up the reference number. they want me to contact moneygram, which i did they told me to tell my nephew. to tell the agent in XXXX to call them while he is still there. which he did, all to no avail. i later went to XXXX where i made the money order they call moneygram and put me on the phone. they start asking me questions about why i send the money, who am sending to, and what the money am sending is for. at this point i start to get mad because this was not my first time sending money through moneygram, i have send as much as {$1000.00} before and nobdy make a big deal about it. i ask some of my fellow XXXX over here if they have experience anything like this.to my surprise the have, and because of that most of them have stop tranfering money throughj moneygram. the only solution i got from them is that the money been picked up but they cant tell me who pick up the money or the location the money was picked from. they gave me a complain case number, and that they going to do their investigation, which can last anywhere from 1 day to 90 days. i feel like they rob me off my money and say there is nothing you can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a court document ( memorandum of cost after judgement ( Case # involved ) in the mail under my first married last name ( XXXX ) from XXXX XXXX XXXX in the total amount of {$2200.00}. ( XXXX XXXX XXXX in XXXX XXXX, ca ). I went to my local courthouse to see if document was legitimate the court document looked fraudulently no signature or no date stamp from the courthouse. they told me that I had to contact the attorney on paper. I called Midland and spoke with XXXX XXXX ( i believe that was his name ) and asked what is going on. I was advised that a XXXXXXXX XXXX XXXX XXXX was open in my name and this an attempt to collect debit. I told him i never had a XXXX XXXX account this is fraud case and nothing is on my credit report he then changed his mind and said that Midland would send me a fraud packet to fill out. its been almost a week and no packet, i was not informed of what the bank location it is or when this even occurred no dates or anything showing Information or of any charges made, the man on the phone then stated they were gon na issue a wage garnishment. I told Midland I would Sue them if they came after my wages. I filed a Police Report with XXXX Co PD i have a tracking number. i also looked up the case online and found some of interesting stuff there is another female name I saw ( Proof of service of summons and complaint filed showing substituted service on XXXX XXXX, occupant,, mailed on XX/XX/13 ) I don't even know who this person they have a fake address on this document, but whoever has done this has my whole Identity. I will Prosecute to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: CarMax, Inc.
State: TX

Complaint narrative:
I had a five year loan with carmax, the loan was paid off in full in XX/XX/2018. I paid a payment ever month, in XXXX my credit was hit with a 30 day past and 54 points. I called and was told that I had late fees of XXXX for two years. I was never called or advised that I had these late fees or that my credit would be hit. My payment was XXXX per month. I paid that amount every month. Once I was told about the late fees I paid the balance off in full. I was never sent a demand letter or a notice at all. I didnt have a loan for late fee amounts. I satisfied my loan obligation in full. I asked hem to remove from my credit and was told per policy they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
I received my mortgage statement, due for XX/XX/2018. On that statement, Seterus, the servicer failed to account for receiving my mortgage payment on time, on XX/XX/2018. I have proof of payment from my bank, showing the electronic transfer being received by Seterus ( attached ). 
Instead however, Seterus dated my XXXX mortgage statement on XX/XX/2018, five ( 5 ) days before the date the payment is considered late and assessed a late fee. 

Again, XXXX received my mortgage payment on time and I have proof. Nonetheless, they assessed a late fee -- this is in violation of the Note and Deed of Trust, which states the payment is not late until the XXXX of each month. 

This must be a newest/lateest tactic to assess late fees .. telling the borrower he/she is late even before the late fee can legally be assessed. 

Moreover, my XXXX mortgage statement was not received in the mail until XX/XX/2018. It does not take 10 days for the mail, so the fact that the statement is dated XX/XX/2018 means they held on to it before placing it in the mail. 

This company should not be servicing loans. 
A few months ago I was forced to file a complaint because for over 1 year Seterus refused to send me my statements in the mail. 
And, now that they have finally started sending me my mortgage statement in the mail they are assessing late fees prior to the date they are legally entitled to do so.

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXXXXXX XXXX  sent out money from my account,. un athorised. - not with my consent., over drafted my account and sent it to collection to the Best Service Co.

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 2018-05-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with XXXX to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want American Express deleted off of my credit report and XXXX has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted XXXX is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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:
There are 3-5 accounts that were late payments and are a part of my payment history. These incidents occurred in XXXX of XX/XX/2014. I researched this an found that it should be kept up to 3 years. please help

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 2018-05-23 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
XXXX Account Dispute # XXXX filed with XXXX on XX/XX/18 for STATES RECOVERY SYSTEM XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/2018. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/18 showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/18 resulting in being referred back to the XXXX of XXXX to obtain proof that this debt is valid. States recovery system will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I filed bankruptcy chapter XXXX case # XXXX with Sallie Mae who was later became Navient was removed from XXXX since the loan was open in XX/XX/XXXX. Then it was placed back on my credit tried to contact XXXX to have it removed but it is still on my credit. All other credit bureau have removed from credit them one of my old credit file confirmation # XXXX XX/XX/XXXX had Sallie Mae on it but was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: LPSG
State: LA

Complaint narrative:
Today, while I was at work, I was contacted by telephone by someone saying I would be served papers for an upcoming court date and that I needed to call the attorney assigned to the case. They gave me the name and number of the attorney. XXXXXXXX XXXX XXXX at XXXX. I called the number and the person I talked to said that the company they work for, LP services group, was  suing me for a debt fromXX/XX/2012 for the amount and interest adding up to over {$4000.00} and that my wages would be garnished about {$400.00} a paycheck. I told them I hadn't been notified about this by phone or by mail and he gave me the address that they said they sent it to which is an old address. Once I told him it was an old address and that I didn't know what he was talking about, he offered to call LP services group and ask if they would work with me so we could settle this out of court. He came back on the line with someone from LPSG and she basically told me everything the first person told me exept this time if I wanted to set up a payment arrangement for {$1000.00} over the next couple months, they would stop the court action against me. I asked if she could send me some info on the debt like who I owe and from when and she said she couldn't do anything until aftershe took my payment info. When I told her I wasn't comfortable just paying over the phone without any details she said she wouldn't be able to stop the legal action. She said once we set up the payment arrangement, she would email me a copy and I would sign it electronically and send it back and then she could stop the legal action. After that she could send me any information I wanted. I gave them my card number and she emailed me the arrangement but I didn't sign it or email it back. After doing some research, I don't understand why they would be suing me if it's past the statute of limitations. The other credit card I took out about the same time is in collections as well and the first thing that company says when they call me is I can't be sued for the debt because it's too old. I feel a bit intimidated and like I was scared into giving them my card number. I just feel like if I ask for something showing the details of the debt, that they should give it to me so I can go over it before making a payment. I haven't paid them anything yet but I feel like what their doing is illegal. The last time I delt with something like this it was a scam from a fake company that somehow obtained my personal info. This feels the same way they do business. Any insight on this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. 

I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. 

My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-05-23 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I am filing this complain against lender, Sun West Mortgage Company , Inc. with business office at  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX failed to pay the second installment of my realty property tax which was due XX/XX/2018. My mortgage payment included payment for impound to pay for homeowner insurance and property tax. I came to know this event from the XXXX XXXX in XXXX, CA that sent property statement telling me that the second installment of property tax was delinquent subject to 10 % penalty. The property address if XXXX XXXX XXXX, XXXX, CA XXXX and the loan number is XXXX. I called the company and spoke to XXXX with no further action on company 's part to pay the property tax. I am very concerned that Sun West Mortgage Company is misusing the impound funds for their benefit. There was no reason for the Sun West Mortgage to fail to pay the property tax because they are in possession of the impound money that I pay monthly to them along with my mortgage payment. The lender acted negligently in failing to inform me of their decision not to pay the second installment of the property for XXXX. Since XX/XX/XXXX to this date, lender Sun West failed to pay this property tax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: FL

Complaint narrative:
XXXX XXXX has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with Experian to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want XXXX XXXX deleted off of my credit report and Experian has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted Experian is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.

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