vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: NC

Complaint narrative:
Applied fir a convention renovation loan with Fairway mortgage. Question up-front was ... we gave our home to our son a year ago and was told that if he made 12 months of mortgage payments from his own account then the mortgage payment would not be included in our income to debt ratio. We had to extend our offer with the seller by 2 weeks which all parties signed. Now the Fairway underwriters are saying they are not willing to take that mortgage payment off our ratio and they will not make the loan for the new property for us. Our point is if this is a Federal guideline and we have shown that our son has made the 12 months payment out of his own checking account why is this being denied?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
Texas Office Attorney placed Child support payments on my credit bureau information. 
Child support is not a credit and should not be used as a credit. 
Account no-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Enclosed is a letter directly from XXXX providing proof that there is a zero balance and the account in the amount of {$1100.00} was paid in full in XXXX. Please update my XXXX XXXX  acct # XXXX to a XXXX balance and as paid in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: IL

Complaint narrative:
My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX   XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as Experian is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Saturday XX/XX/XXXX around XXXX I walked into the Bank of America Branch on XXXX XXXX XXXX XXXX XXXX XXXX NJ. 

I indicated to the teller that I wanted to take the remaining balance from the account ( around {$1200.00} at the time ) and take it as cash or transfer to my bank account at another bank. 

The teller first indicated that the card was " just a card and not an account '' and as such she pointed me to the ATM complete my transaction. Due to daily ATM transaction limits and uncertainty of the safety of carrying around a large amount of {$20.00} bills from the ATM, I said I wanted to complete the transaction in the Bank. The teller went on to say that she did not think such a large amount should be paid out to " someone who is not a customer '' even after I provided my State ID as proof of my identification and would not complete the transaction. She then said there was an issue with the network that would allow the transaction. I do not believe there was a network issue. I believe this teller was unwilling to complete my transaction. Further, I demanded to speak to a supervisor who turns out was even more uncaring and told me to go to the ATM if the teller told him to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : Bayview Loan Services, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX Bayview Loan Servicing filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX  Society of XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by Bayview LS. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX  is  under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4   servicers/owners. They are abusing me because I am a defenseless XXXX XXXX XXXX XXXX   that will turn XXXX next XXXX, and which health has XXXX with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: URS Holding, LLC
State: NV

Complaint narrative:
On XX/XX/19 a representative from the company contacted multiple people as well as myself while at work. When I returned their call from my personal cell phone I informed them to not call my work. 

On XX/XX/19 the same representative called my office again. I again informed her to not call my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I always make my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
Chase Receivables - Continues to call my place of work, attempting to collect a debt that is not mines and i have no knowledge of. 

I have told them several times to stop calling here - this is a company phone and they are not allowed to call here. 
they continue to call here and ask for me and harrass me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: CA

Complaint narrative:
California requires that lenders of loans on California properties must meet certain conditions to REQUIRE impound accounts. My lender, despite multiple attempts over years, will not provide me information on the conditions that believe they have met. 
There is also a provision to pay interest on impound funds which that they have ignored questions on or said verbally that they do not pay interest. 

The CFPB is my last option as they are unwilling and/or unqualified to answer these questions. All answers are vague responses to their own internal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Texas Office Attorney placed Child support payments on my credit bureau information. 
Child support is not a credit and should not be used as a credit. 
Account no-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, Selene Finance, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX-XXXX-XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX  Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
They call excessively every day from different phone numbers each time, including Saturday and Sunday, and sometimes before XXXX and XXXX. Today, XX/XX/19, they called me at work. I am not allowed to receive personal phone calls at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: WI

Complaint narrative:
On XX/XX/19 I made first contact with IQ Data about a debt that appeared on my credit report. I asked to know how much the debt was and asked if it was payed in full if I could receive a letter of deletion. I was given 2 amount that could be payed, with the second, full amount guaranteeing me such. I needed time to attempt to contact the other party of this " shared debt ''. When i could not reach the other party i called IQ Data back and asked for a debt validation letter. XXXX threatened that if I wanted one there was no possibility of receiving the letter of deletion I had asked for. Telling me that exercising my rights was " taking a step back. '' I feel it unfair, when I had never been contacted before, and never showed any ill faith about paying the debt that I was treated so poorly by someone who works for a company who's slogan indicates that they seek to help in a courteous and fair way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Cashnetusa deposited {$300.00} into my personal checking account on Wednesday, XX/XX/2019. They used my personal information from a loan they had transacted with me 10 years ago. I contacted them upon discovering the deposit today, XX/XX/XXXX. I was told they could not reverse the deposit because more than 24 hours had transpired. I argued with several agents for nearly 45 minutes before they finally agreed to reverse the deposit. My complaint stems from the simple fact that I DID NOT authorize anybody at cashnetusa, whether on line, on the phone, or in person, to grant me a loan of any kind whatsoever. I sincerely believe that the only way this loan was transacted was by a cashnetusa agent with nefarious and/or fraudulent intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
After discovering that my daughter was involved in a social media money scam, my husband and I contacted USAA informing them that multiple fraudulent transactions were being deposited and withdrawn from the account. Even after several calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX, USAA continued to allow funds to be withdrawn and checks deposited on XX/XX/XXXX. We also filed a police report and submitted the information to USAA as well. We are a military family currently residing in XXXX since XX/XX/XXXX. The transactions were made in the XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXarea. It is very frustrating that after making multiple phone calls and submitting a fraud claim USAA is still holding my husband and liable for the full amount. While we understand that our daughter made a terrible mistake, USAA should have stopped all transactions from going through on this account. We have also been informed by a USAA representative name XXXX that the account activity that reported as being unauthorized was never flagged as fraudulent and were just allowed to go through. The account has been overdrawn for XXXX and now they have offset our accounts, which is financially devastating our family and leaving us unable to pay our mortgages and car bills. They have applied a temporary credit on the fraudulent transactions but have still frozen our accounts while they are conducting their investigation. It is my understanding that the purpose of the credits are to keep their customers life from being interrupted while they conduct their investigation? This is just disheartening because of the number of years we have been with USAA ( almost 20 ). Any assistance you can offer would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made 2 purchases during the month of XXXX on my Amazon credit card ( Synchrony ) at check out I selected 6 months special financing, specifically NOT 6 months equal payments. When I received my statement it shows those 2 purchases as Equal Pay 0 % APR - 6 months. This isn't the first time Synchrony has miss-applied promotional purchases to my account. In the past, when I contacted them, they were able to correct the system to reflect the correct promotion. This time, I was informed by Account Manager rep XXXX XXXX that their system miss-coded the promotion, but they can not correct it. This miss-coding has direct impact to my payments as it will require larger payments to be applied to the newest purchases first, and not apply my full payments to the previous deferred interest promotions I have on the account. The incorrect equal pay promotions need to be changed to deferred interest with payment as I selected at checkout.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Land Home Financial Services that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX XXXX case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; Legal Aid repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : Land Home Financial Services ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through Legal Aid from Land Home dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess Legal Aid is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to Land Home FS the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.

Company response to consumer: Closed with explanation