vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
We have had a very difficult time with Statebridge. At this point I believe they are a very dishonest and predatory servicer. In XXXX we were a victim of the mortgage crisis and applied for Making Homes Affordable Program to resolve the bad loan from XXXX XXXX. We were approved for the HAMP program. We were upside down on our mortgage and were told we no longer had a 2nd. The 2nd was removed from the fraudulent XX/XX/XXXX loan. 

Now 12 years later! AFTER a global pandemic! Statebridge contacted us stating we are now facing foreclosure. We were very affected financially during the COVID Pandemic and could not believe this was happing to us. On top of that Statebridge is stating the loan is now over {$100000.00}. 12 years later we can not believe this is happing to our family. We have always been current on our first mortgage with XXXX. 

We applied for a modification to try and resolve. We were declined. This is were we are starting to realize we are dealing with a dishonest company. 100 % predatory lender trying to drive our family into a foreclosure and loose our home. 

Our Complaints : First we were told our file was in review with the underwriting department. During this time Statebridge placed a foreclosure sale date on our house. 4 days after Statebridge placed a sale date on our property we were told we were declined by the investor. From our understanding that is illegal in California. Dual tracking under the California Homeowners Bill of Rights.

Secondly, the reason for the decline is a complete lie. It makes no sense and more proof that Statebridge is a predatory lender.

Modification Program Denied Does not meet the Investors Loan-to-Value requirements. 

This is clearly a lie. We owe {$280000.00} on our first mortgage. Our current value on our property is {$870000.00} - {$920000.00} minimum. Also our debt to income ratio meets all mortgage banking guidelines. Based on this denial it looks like Statebridge is not looking at the information provide for the notification review. They are lying and declining the file after they placed a sale date on the property. All of this seems very illegal. 
Third issue we have with Statebridge and the investor. We have been told this lien is a HELOC. A line of credit, not a mortgage. If it is not a mortgage, is there not a statute of limitations for a line of credit?? Like a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I went into XXXX XXXX  to purchase a refrigerator. The salesperson told me about their lease to own program where I would put down a small deposit that day and every two weeks they well deduct XXXX out of my account until the terms of the license was satisfied., Fastforward to XX/XX/XXXX, I noticed that money was still being taken out of my account at this point I knew my license would of been paid in full. I added up all the charges and saw that I paid over XXXX more than the lease. I contacted the company and was told they will refund the last transaction but their is nothing more they can do because it's a lease to lease agreement. That isn't what I was told at time of purchase and who would pay double the price knowingly, they even tries to get me to enter into another agreement to do a rent to own.At this point o was frustrated and tries to dispute the charge with my bank, but being that some of the transactions were over 6 months there was nothing they could do besides refund me XXXX, which equate to 2 payments. No one ever told me that I needed to contact the company to have payments stop. Once a contract is done all payments should of seized, but they continued taking money out of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I tried to buy a XXXX XXXX XXXX on XXXX on XX/XX/2021. The listing made by XXXX was flagged as suspicious and thus removed by XXXX. I contacted Paypal Credit to report that the listing was removed by XXXX for that reason and to start a dispute. Paypal credit supposedly tried to contact me, that never occurred. I used Paypal credit to pay for the purchase and even though I reported the problem, PayPal credit refuses to fix the dispute. If XXXX removes the listing, where did the money go? This has been a recurring nightmare with XXXX and Paypal credit, they have fixed the previous 2 occurrences but this one is taking extremely long and I've been paying on this debt even though I did not get what I purchased. Basically, XXXX has become a lair of scammers and the supposed purchase protection is a complete lie. If a listing is removed why did they still charge me? Why does Paypal credit still payout if the listing is flagged as suspicious? I have wasted over 12 hours on phone calls to Paypal credit, to XXXX and nothing has been done, can your agency 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 monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
My mortgage was being serviced by XXXX XXXX  XXXX in XXXX. I asked and received Forbearance with them. Then on XXXX XXXX, XXXX, my mortgage was taken over by Select Portfolio Servicing. I spoke with my Relationship, Manager  XXXX XXXX and I told her about my Forbearance. XXXX XXXX said that forbearance information had not been received Yet. Two months ago I called SPS to say I was ready to end the forbearance and restart payments. I missed the XXXX XXXX payment. This is when I was told that my account had been sent to their legal dept. to start the foreclosure. I never received anything from them stating they were not honoring my previous agreement with XXXX. I asked for the letters she said were sent to me. XXXX. XXXX has not sent any copies of any letters. She says I owe XXXX in payments and XXXX in escrow. 
How is this possible? Why wasn't I told SPS did not have to honor the CARES ACT?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My TD bank Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for XXXXXXXX  and invested a total of {$20000.00}. After the initial investment XXXX continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my XXXX account was unsuccessful. At present I have no access to my XXXX account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to TD Bank and to XXXX for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TX

Complaint narrative:
I have written 3 letters and received 3 responses from Equifax ( see attached letters from Equifax dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to request that Equifax remove the XXXX hard inquiry on XX/XX/XXXX which needs to be removed due to identity theft and the inquiry is still on my credit report to this day ( please see attached copy of the inquiries from my credit report directly from equifax.com dated XX/XX/XXXX ). I followed all proper steps for inquiry removal including filing an ftc report with the inquiry in question. Equifax received the letters and agreed the inquiry should be removed and responded as such. I have also called multiple times and each time the representative validated that yes it should be removed and insisted that a note to backoffice / fraud department was placed to have this removed but still this particular inquiry appears on my credit report. If you look closely at each of the 3 Equifax letters you will see that Equifax actually does agree that the inquiry should be removed ( see highlighted section on page 3 of each letter ). Each letter states that the inquiry has been removed. However, as you can see from my credit report on XX/XX/XXXX the inquiry still remains after multiple attempts. The interesting thing to note is that Equifax deleted all of the other inquiries that were requested, just not this XXXX inquiry for some reason. I don't think this is a case of Equifax refusing to comply. I believe they fully agree the inquiry needs to be removed. This seems to be some kind of system issue with XXXX because it appears that the Equifax representatives who processed each letter believed they in fact were deleting the inquiry but for some reason the system did not actually delete it. Equifax needs to fix whatever system issue exists preventing this XXXX inquiry from being deleted. In addition, I noticed that an additional XXXX inquiry has appeared dated XX/XX/XXXX that was not me and needs to be removed. I would also like this removed at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TX

Complaint narrative:
XXXX XXXX is an account on my transunion credit report. Account was paid, creditor, and doctors office agreed to delete the account once paid. Paid and receipt was provided. Get this account OFF of 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 2021-10-05 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2021 I mailed a certified dispute letter to LVNV and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
On XX/XX/21 while reviewing my consumer report furnished by XXXX, I noticed an unauthorized inquiry initiated by FORD MOTOR CREDIT CORP in which I did not authorize or consent to. 

On XX/XX/21 I sent FORD MOTOR CREDIT CORP a letter in which they received on XX/XX/21 notifying them of the unauthorized credit inquiry in which they initiated that is furnished on my consumer report. In that letter, I notified FORD MOTOR CREDIT CORP that I did not authorize anyone employed by their company to view my personal information, They violated the FCRA 15 USC 1681b ( 2 ), and that FORD MOTOR CREDIT CORP isn't entitled to make the inquiry which is a serious breach of my consumer rights. I also requested that FORD MOTOR CREDIT CORP provide a signed copy of the authorization form that gave them the right to initiate a consumer credit transaction on my behalf. 

On XX/XX/21, I received correspondence from FORD MOTOR CREDIT CORP alleging that they are unable to research the issue. 

On XX/XX/21, I sent FORD MOTOR CREDIT CORP a cease and desist whereas I demanded the following : provide an audit trail, deletion from all consumer reports, validation, provide name, address, and phone number of the original creditor, provide name, address, and phone number of all parties that benefitted from this illegal transaction, cease and rescind the use of my intellectual property, my signature, and return all requested documentation so that I can properly assess the validity of this transaction pursuant 15 USC 1692g.

FORD MOTOR CREDIT CORP has been non compliant to my demands. FORD MOTOR CREDIT CORP has failed to respond or send the requested documents. FORD MOTOR CREDIT CORP is violating my consumer right to validate the debt pursuant 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been disputing several inaccuracies on my credit report with TransUnion over the past year at least with little to no cooperation from TransUnion. The most recent of which was signed for and received by TransUnion on XX/XX/2021. That letter requested that TransUnion either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for TransUnion to either properly verify or remove these items, as of today, TransUnion is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, TransUnion responds with a slight change and verified as the result. 

This willful neglect for the law by TransUnion has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against TransUnion for their blatant refusal to delete information that they are reporting that can not be verified properly by TransUnion. 

I want these negative items removed immediately as I have given TransUnion more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded 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 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated international wire transfer from my Citibank account on XX/XX/2021. I transferred XXXX $ to beneficiary account. Beneficiary has account with XXXX  XXXX XXXX located in XXXX. 
Since money wasnt received by beneficiary, I called Citibank to get the update. They asked me to provide few more details ( IFSC Code of beneficiary bank and purpose of transfer ) and amended the wire transfer. Citibank provided XX/XX/2021 as available date for transfer. 

I contacted beneficiary after XXXX XX/XX/2021 to check the transfer status. The beneficiary hadnt received amount. 

Citibank suggested me to check with beneficiary bank. I asked beneficiary to contact his bank. Beneficiary banks manager informed that they havent received any amount for his account while Citibank said that they have already sent an amount to beneficiary bank. 

Since then, I have reached out to Citibank multiple times to get the status on transfer. I also requested to initiate trace request for the transfer but they dont provide me any meaningful update. Every time I call, they assure me that they are escalating this case with Citibank back office and will call me back with update. I receive no call or message from them and this cycle repeats. 

Last time I called, they mentioned that theyre unable to get any response from Citibank XXXX ( intermediary bank ) and dont know if fund is with Citibank XXXX ( intermediary bank ) or XXXXXXXX XXXX XXXXXXXX ( beneficiary bank ). While earlier they clearly told me that fund has been made available to XXXX  XXXX XXXX ( beneficiary bank ). 

Ive called multiple times Citibank to know the status. Ive also asked them if they need any extra information from me or beneficiary person. It has been more than 2 months since I initiated the transfer. But I havent received any solution 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 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
They are charging me way over the legal limit for interest. I'm paying XXXX twice a month on a XXXX loan. Until 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I do not recognize the following accounts listed on my credit profile ( accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY

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 2021-10-05 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: PA

Complaint narrative:
I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I send a payment, they had put it as a cash advance, but they owed me money on the account and never gave me the cash advancement due to that and still charged me a fee. I called and the supervisor, said everyone knows what to say, and if they said something else to you well sorry but nothing they can do. But when I was asking her about the employee she had no clue what was going on and was just pushing me away. I ask her for the corporate number and she said no, they won't speak to you she is the highest up. XX/XX/2021 around XXXX Supervisor name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY

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 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I took an auto loan through Wells Fargo XX/XX/XXXX. It had gap insurance added to the loan. 

I paid off the loan XX/XX/XXXX and they told me there would be a refund of a portion of the unused gap insurance, about {$260.00} dollars. 

Since then they have lied to me, told me the dealer would pay it, told me they would in 5 days, sent me stall letters and promises to contact me in ten days, nothing has happened.

They ignore me. Say they have 120 days to hold my refund. It's been 107 days. OK, I'm tired of waiting. During this time of COVID and economic hardship they should not be allowed to do this to me.

Wells Fargo Case number 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 monetary relief