vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have tried for over two years to short sale my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. PNC has sabotaged every effort in short saying my property. I have provided them with all the necessary documents in a timely manner. They kept reassigning me new case managers and that caused a delay in who was receiving the paperwork and in that process I have lost two buyers. This was due to the negligence on behalf PNC. 
I have previously filed a complaint against PNC and XXXX XXXX responded to me within four days of my complaint. She was helpful, however ; she had informed me that if I sent her and the loss mitigation team the necessary paperwork that they would review it again for a short sale. This is not what happened. I had my short sale lawyer ( XXXX XXXX ) send in the paperwork and then I received a not from PNC lawyers stating that they were unable to review the paperwork because I had already gone through two review processes. XXXX had also informed me and my lawyer XXXX that PNC needed the Chapter XXXX judge to make a judgement that a short sale can go through. However, the XXXX lawyers denied the judgement when my attorney brought it in front of the judge. 
Now during this whole process I was forced to file Chapter XXXX because I did n't want PNC to come after me. 
My bankruptcy lawyer ( XXXX XXXX ) has tried working with PNC lawyers as well to get a judgement from the judge that a short sale can go through. Without that judgement PNC said they wo n't allow the short sale to go through. On the flip side they also wo n't agree to the short sale judgement. My lawyers and I are shocked at the negligence and merry go round tactics that PNC is playing and at this point we are unaware of what to do. 
I am appalled that PNC is allowed to deter people from selling their property. 
I tried for two years to sell the property and in that time my husband and I had XXXX children and a dog. The condo was unfit for the family we made. I then tried lowering it by XXXX thousand dollars and was still not able to sell it. My assessment company would not allow me to rent it out either. This was a very unfortunate circumstance and I have tried very hard to do everything in my power to sell this property properly and PNC has made it very difficult. 
I tried to sell my property, then I went to all court dates to stop the foreclosure and try to short sale the property and now after having to file chapter XXXX PNC is still trying to deter me from trying to short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: MS

Complaint narrative:
XXXX XXXX XXXX ( XXXX-XXXX ) They 've taken it off my report and re added it before investigation was done, and took more then 30 days to initiate any type of resolution. XXXX XXXX XXXX Did not even submit it to company, had results before Day was over, so did not try to get correct information on account as it 's settled. XXXX and Transunion. 

XXXX XXXX XXXX XXXX {$460.00} XXXX They did not contact creditor to update, settled account, this account was n't even mine, documents sent to creditor and submitted to XXXX, Transunion should not be on report as shown. 

XXXX I have no liability for this account and should be removed, this account has transferred to new account with student XXXX XXXX, and was in a criminal investigation and letters and file block was sent to XXXX per the XXXX XXXX XXXX, FTC and should be removed. XXXX XXXX and Transunion both have continued to lock me out of viewing and correcting my report by submitting documents, emails, and other forms of proof to substantiate my claims as they will not abide by the laws of the FCRA and should be held liable as pursuing legal actions toward them, other bureaus have used submitted documents and removed accounts in question. I constantly have fraud alerts added that I do not initiate and do not want or need on my reports and want that stopped immediately.

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 2017-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
Company has no knowledge of account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I have been locked out of my Coinbase.com account since XX/XX/XXXX. I sent a message to Coinbase.com, via there online support/email system, asking : '' How do i get my account enabled ''. I have a considerable amount of funds in this account and have n't heard from them since XXXX XXXX XXXX This is the last message that I received from them : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Please let me know if the matter develops further as we investigate. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
although I paid the collection, I realized I NEVER had a contract with the collection agency. so im promptly that this collection be removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: KS

Complaint narrative:
I have contacted Transunion on multiple occasions to remove a tax lien on my account that does not conform to the new standards put into place on XX/XX/XXXX.  They refuse to remove the tax lien even though the other two credit agencies have removed it. The tax lien is listed below : Tax Lien Reported onXX/XX/XXXX- {$7300.00} Paid Overview Reference Number - XXXX Date Filed Reported on - XX/XX/XXXX Classification Lien Responsibility - Individual According to the new guidelines, established by a class action lawsuit brought against the credit agencies, they must have the person 's date of birth and/or social security with the consumer 's address in the tax lien filing. Transunion will not comply with the new ruling. Please investigate them. 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 non-monetary relief
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jenkins, Wagnon & Young, P.C.
State: TN

Complaint narrative:
When selling a home in XX/XX/XXXX I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/XXXX ). The law office and XXXX did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : Jenkins, Wagnon, and Young P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
We purchased our home in XXXX XXXX for a closing price of XXXX and a second loan to cover the rest of the cost in the amount of XXXX. Both loans were provided by the same bank and totaled more than XXXX XXXX paid for this new construction home. The bank also steered us toward an interest only 10 year ARM at 6.75 % interest to ensure we could qualify and afford to make the payment. A year after we moved into the home in XXXX XXXX our tax assessed value for the home was listed at only XXXX. This represents a nearly 40 % decrease in home value compared to the XXXX XXXX XXXX indicated the home appraised for in XXXX XXXX. Over the past nearly 11 years we 've tried on several occasions to get the bank to restructure the loan given the lower interest rates and grossly overvalued appraisal of the home. The bank has refused to assist us on each occasion, the last being in XXXX of XXXX as we were nearing the end of the 10 year ARM. As a result our mortgage has increase for the second consecutive year and we fear continuing annual increases will lead to financial challenges to pay our mortgage. We believe BB & T colluded with homebuilders and appraisers to grossly overinflate home values in XXXX at the height of the housing crisis and intentionally steered us toward a 10 year interest only loan to lock us into a situation where we are unable to refinance due to loan to value policies for lending institutions. Furthermore, their refusal to restructure to loan to ease financial strain is purely financially motivated. The value of our home as of our home as of XXXX XXXX, XXXX during the latest official appraisal was indicated to be {$800000.00}. Even after 11 years, that 's a nearly 37 % decrease in value related to the bank 's appraisal value of the home at closing.

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 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
On XXXX XXXX XXXX I received a Seriously Past Due notice from Transworld Systems Inc, address in XXXX DE, for an alleged debt I supposedly owe to XXXX in the amount of {$110.00}. I wrote to Transworld, explaining that I did not owe this amount to XXXX ; and that another collection agency, XXXX XXXX XXXX, recently tried to collect the same amount for the same " invoice. '' I do not do business with XXXX at all. XXXX XXXX XXXX dismissed the debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a new vehicle XX/XX/XXXX. I still to this day did not get copies of original documents I signed. I wanted a 3 ( three ) year lease. I was given a 4 ( four ) year lease. Plus there are extra charges on the lease I dont agree with,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
Vanderbilt Mortgage and Finance did not offer to refinance my loan recently and this problem is one of many they have. I originated a loan with them in XX/XX/XXXX and had to settle for a high interest rate of over 10 % for a manufactured home, so I was not in a good position to build equity. After 3 years of 100 % on time payments I decided to seek a refinance and I called them first. They simply stated they do not offer refinances for my situation. If nothing else that is a bad move by this company, because I quickly left them, but our choice to refinance became very costly in part due to violations by Vanderbilt.
Now having just finished a refinance with another company, I found out during the process that my foundation of my home was not compliant with Fannie Mae standards. The shape that my foundation was in was undoubtedly just as bad three years ago when I purchased the home and they approved my loan. The foundation of this property is very moist and the straps securing the frame to the ground were rusted and broken. I had to pay steep repair expenses out of pocket to get my foundation in compliance, and Vanderbilt should have recognized this when I purchased my home from XXXX XXXX in XX/XX/XXXX, where it should have been paid for by them. I had a conventional loan with Vanderbilt and I ca n't imagine how this was missed by their underwriters. 

I bought it as a repossessed home from XXXX XXXX in XXXX, Kentucky. During this purchase process Vanderbilt charged over {$5000.00} in closing costs which I just paid only about {$3000.00} through another company, not including the cost I just incurred to certify the foundation which was about {$2000.00}. 

Additionally, I spoke to several Vanderbilt representatives over the phone throughout the life of my loan, and was never asked to verify the last four of my social security number for verification that they were speaking with me. 

This is all information that can be validated in their documentation of my loan. This company is a predatory lender that takes advantage of customers in high interest situations due to lower 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 explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I filed a dispute onXX/XX/XXXX in the amount of {$100.00}. Epiccard/ XXXX XXXX XXXX program issued a provisional credit on XX/XX/XXXX in the amount of {$100.00}. The dispute was resolved in my favor and I recieved a letter from Eppicard stating that the provisional credit will remain on my account. The merchant XXXX whom the dispute was against also issued back the refund to Eppicard. On XX/XX/XXXX the provisional credit was reversed with no explanation. Since the letter stated that the dispute was in my favor and the provisional credit will remain, I did n't expect that my account would be debited the credit at a later date. As a result of the debit my account became negative, hence I did not recieve my monthly Stipend of {$100.00} on XX/XX/XXXX. Each time I contacted customer service, I was told that the credit should not have been reversed and they are submitting a tracker to the department responsible for crediting Back the {$100.00} to my account. I asked if I could speak to that department directly and was told by XXXX, XXXX, XXXX, XXXX, XXXX, XXXX a supervisor name XXXX and several other customer service representatives that they are submitting a tracker for me to recieve back the {$100.00} and there was no way for me to contact anyone else in regards to the dispute. These are just names of people I have spoken to monthly in the department that I contact to file the dispute. It 's now XXXX and 4 months after the reversal and I still can not get back {$100.00} that 's due to me. The dispute tracking ID number is XXXX. The tracking ID that the reps claim that they are issuing to their higher ups in regards to my complaint is XXXX. 
I contacted XXXX who gave me XXXX XXXX stating that they are the financial institution responsible for the card, after contacting XXXX, I was told by XXXX that they only make and sell the plastic to Eppicard and that they are not involved financially. 
Contacting Consumer Financial Bureau is my next step before filing a civil claim which cost {$50.00} in my state and then I 'll also sue for the court cost. I am hoping it can be resolved at this level. I will also hold XXXX accountable as this company is bearing its name. 

I was not able to upload the letter that states I can keep the provisional credit, but I have a copy and I also taped my phone conversations with Eppicard, the state of Oklahoma law states as long as one party knows it 's being taped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My wife and I filed a complaint with you on X/XX/2017 complaint # XXXX. We are not sure if we are not speaking clearing or no one is listening. Our issue is that over the last 2 1/2 years we have filled out the same extensive loan modification forms. For one reason or another we have been told that form was missing something or the period was in the wrong place. For whatever unbelievable reason we have to fill out the same forms 12 times. We will not do it anymore. We sent our complaint only to have Bank of America send another site of forms with the same exact information. This matter is not closed. Bank of America has DONE NOTHIING!!!!!!!!!!!!!!!!!!!!

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 2017-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX- payment of XXXX due as of 2017. 
I have been to the doctor once this year and I have insurance. And I have paid the remaining balance in full. Im unaware of what to do. Or where this even came from. Please help 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 2017-09-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOAN TO LEARN
State: TN

Complaint narrative:
When selling a home in 2014 I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/2014 ). The law office and Educap did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : XXXX, XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation