vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: VT

Complaint narrative:
Several months ago we were approved for a loan modification we accepted the offer and made our 1st monthly payment. About a week later we were served with paperwork from the court saying they were4 trying to foreclose on our property. I replied to the notice with a written answer as well as submitted all the paperwork regarding the approval for the modification and documentation of our 1st payment. Went to court and the judge did not understand why we were there when were in the middle of a trial modification and meeting the requirements, he also did not understand why Seterus was " dual tracking '' our loan. The judge found that as long as we made the remaining 2 payments within the required time frame we would be set for a permanent modification. Well here I am on my 3rd and final month to make my last payment before finalization & I receive a letter in the mail on XXXX/XXXX/XXXX stating that as of XX/XX/XXXX our mortgage was being transferred to a new servicer ( less than 10 days notice!! ) Frantic I called Seterus and asked how this was going to effect the modification and after being placed on hold multiple times for over 15-20 minutes I was told that I would have to reapply for a loan modification with the new servicer, even though there are federal guidelines in place to protect consumers from having to reapply. I was told that the previous payments essentially meant nothing and even though they knew the current terms of the loan it did not matter. How is this legal my guess is that it is not they entered into a legal agreement and I kept the terms, they did not and now am in the middle of retaining legal counsel to try and save my home as well as pursue legal action against Seterus and their shady, unethical, shady business practices. I am also filing multiple state and federal complaints regarding their disregard for the regulations set in place to prevent " businesses '' like them from doing this to people and hopefully prevent them from doing business period. I will also pursue any and all legal avenues to make sure that EVERYONE knows what kind of company Seterus is while making them responsible for their actions, I will not go quietly, this is just wrong! It should not be this hard to save your home. I was so happy to be back on track and felt a sense of relief that my home was safe, to now be told that I have to start all over again is devastating to say the least. I also researched the new servicer XXXX XXXX XXXX have had/ or are currently in the middle of class action lawsuits, investigations, fraud investigations etc.This is our home, the only home my children have ever known, I have worked hard to get back on track, but to make us start the process over with a new shadier servicer and potentially risk foreclosure/dual tracking in the process is CORRUPT

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 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CO

Complaint narrative:
OK so XX/XX/2018 was a Friday afternoon. I called XXXX to try and settle a debt That I have in the amount of {$470.00}. After explaining to an agent what I was calling for they then looked up my account and tell me that I had another account with them as well. After they explaining to me the amount on the second account that I have with them. They proceeded to ask me how I wanted to take care of the accounts. I then explained to them that I wanted to pay {$470.00} and pay off one of the accounts. I also explained with pain that I would like to have a paid in full for that account I was paying towards. They then told me that they couldnt give me a paid in full receipt until I paid the second account as well. I feel since theyre two separate accounts they shouldnt fall under the same account and I should be able to get a receipt for two different accounts. One of the accounts that they were also wanted to collect on I have disputed it with XXXX XXXX and XXXX and has been taken off my credit report so I dont feel I have to pay that to them since it has been disputed. So my concern is paying them {$470.00} so I can get a paid in full receipt for that account. That one account is holding me back from getting an apartment of my own so I can have somewhere to live. If I could get some kind of resolution I would greatly appreciate it.

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 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I was not late with my XXXX XXXX XXXX account # XXXX I was not lat on my payments on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was late on XX/XX/XXXX but that was because I was hit with hurricane Irma I have paid and made up for that payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/XXXX our home was damaged during the Harvey Hurricane. Insurance paid  {$160000.00} for repairs. I sent the endorsed check to the loss draft department at US Bank. I have struggled to get money from them from day one. The first check of {$25000.00} took 30 days for them to return to me after they received the check. This stalling to pay me the money to rebuild my house has delayed me by at least two months. Every time I have called I have been apologized to and told " I am sorry XXXX XXXX but that employee told you something incorrect '' and the process starts all over again. I passed the 95 % completion on XX/XX/XXXX and was told my money would be on the way. Nine days later they are telling me they will not release the funds because the cabinets were no painted and two tiles were missing from the bathroom. 

I truly believe US BAnk is holding as much money as they can for the daily interest. My little {$160000.00} means nothing. When you add up the 300,000 homes damaged in the area, the daily interest on that would be huge. I have not been treated well by US Bank. What more do I have to do to see this complaint through to the end? 

The only reason I got two payments behind is because US Bank called us. They said " WE would like to help and offering a 3 months house notes differed to the end of the loan. At the end of 90 days they called and said we owed three house payments. How would that help us. We used what should have been house notes for repairs. How could setting us up with a changed story at the end of 90 days help anyone. I have never even been late on my house notes in 15 years. Now they are calling and threatening us by saying they " Could '' send us to foreclosure. 

So to recap. US Bank called and said we would not have a payment for 90 days, those payments would deffer to the end of the note. We used the mortgage money for repairs, they called at the end of 90 days and said they want all three payments. We are a payment behind. Behind because we used all of our money to get the house fixed because nUS Bamk is so slow getting us the money. Now they are holding the rest of the money and stalling our final payment of over {$90000.00}.

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 2018-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I set up two separate withdrawal requests on XXXX XXXX, 2018 for the amounts below : XXXX XXXX, 2018 for {$1700.00} USD ( Simple Savings : XXXX ) XXXX XXXX, 2018 for {$250.00} USD ( Simple Savings : XXXX ) I clearly was able to transfer {$5000.00} to the Simple savings account ... .so it DOES exist. 
One week after I set up these very important withdrawals I received the same message ( for BOTH transactions ) from the 3rd party who was to rx these two withdrawals as deposits. One of the messages showns below : " Your transfer on XXXX XXXX, 2018 for {$250.00} USD was reversed by your payment method. 
Unfortunately it looks like your bank ( TD Bank - TD SIMPLE SA ... XXXX ) has reversed your payment with the following message : No Account / Unable to Locate Account ( XXXX ). '' Am I going to have to WAIT another WEEK to get MY MONEY?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX added the following unauthorized charges to my credit card account in the amount of {$3700.00} during transaction : The following items have been marked on as Not Receivedmeaning items were not requested for purchase, but appeared on an unsigned invoice and physical product was not given or sold to customer. 
1. XXXX XXXX XXXX XXXX {$270.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX XXXX  XXXX {$100.00} 4. XXXX XXXX XXXX XXXX XXXX {$190.00} 5. XXXX XXXX XXXX XXXX  XXXX {$190.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX XXXX XXXX {$2000.00} 8. 
I contacted XXXX XXXX of XXXX via phone who assisted me during my visit at the store. I made the call on XX/XX/XXXX at XXXX at XXXX to let him now the issue with billing. He told me that that I am mistaken and was not receptive to my explanation. The following are dates and times I called XXXX in an effort to rectify my being charged for merchandise I was never sold : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The Merchant refused to assist me and denied any wrongdoing. 

At this point I initiated a fraudulent dispute claim with CapitalOne Credit Card ( this was the card used for the transaction ) CapitalOne Credit Card provided me with documentation that XXXX  have provided to support their case for valid charges on my account. Upon reviewing the documentation submitted by the merchant, XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX it became apparent that the copy of receipts presented fraudulent signatures that were duplicated Im two separate days and in two separate timestamps along with falsified subtotals.

CapitalOne Credit Card sided with the merchant an overturned my fraudulent dispute claim in their favor despite the obvious falsified documentation submitted. 
CapitalOne customer service informed that despite the documentation submitted by the merchant present as falsified, XXXX is the one that is accepting the merchant documents that includes falsified signatures and timestamps, dates and incorrect subtotals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: CT

Complaint narrative:
I have disputed an account named XXXX XXXX in the amount of {$110.00} with transunion as I have no contract with this company. They did not extend any credit to me. I have no dealings with them but yet they continue to report this inaccurate and unverified account. I want documents showing that they have in their files showing this belongs to me under the FCRA 15 U.S.C 1681g. If this can not be verified by this credit reporting agency it must be promptly removed under the FCRA 15 U.S.C 1681i. This is the law

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 2018-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Russell Collection Agency, Inc
State: AR

Complaint narrative:
Russell Collection Agency INC began calling in 2016 while I was a resident in Arkansas, they are not licensed to collect debt in the state of Arkansas where I still currently live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates keeps insisting that they have properly verified debt. After 5 months I still have not received anything verifying my signature or social security number for this debt. 

Billing statements are not accurate validation of debt and this is all I have received. 

Additionally, the original creditor attempted to obtain a judgement and the case was dropped. 

This needs off my credit report until a validating signature and full social security number are provided to prove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is the only credit report that still shows XXXX on it was suppose to be deleted from all tree credit reports was deleted from XX/XX/XXXX and XXXX XX/XX/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 2018-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have both federal and private loans. XXXX XXXX sold my loans to navient. Since my interest rates have sky rocketed, they have called my family members threatened to take my co-signers belongings. We have copies of all notifications and threats. I have been working with premier documents, but that ends in XX/XX/XXXX,  what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I sent this company a letter asking for their license stating that they are licensed in my state to collect. I asked for them to send me a calculation to prove the amount that they state is the correct amount of {$110.00}. I asked for them to send me a copy of their assignment to the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. 

Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I off Bridge crest need it to be report to XXXX credit 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 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: FL

Complaint narrative:
In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting erroneous information on my credit report. The collect account is from XXXX XXXX. The credit report is saying that the account opened on XX/XX/2015. The original debt is from XXXX University. I have the collection letter from XXXX University and the account did not go into collections on the date that XXXX XXXX is reporting. The amount of the debt is not the same as XXXX XXXX is reporting. I have had this account removed from the other two credit bureaus but experian is refusing to remove this erroneous information.

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 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.

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 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: KS

Complaint narrative:
Debt for home repair on revolving line was recently transferred to XXXX XXXX. We pay monthly payments on the first of every month. When transfered XXXX XXXX ( the new servicer ) was recognizing payments paid on first of month for the previous month and counting the next payment late. We have documented to them in multiple conversations this payment schedule. We 've spoken with them multiple times over the past couple months. The Servicer is XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I noticed an account from Procollect on my credit report on XXXX/XXXX/XXXX I have never received any communication from this company regarding this account. I contacted this company on XXXX/XXXX/XXXX and was advised of 2 accounts in their office I was told I could n't pay one without paying the other. 

This account should be removed from my credit reports 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 2018-01-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a call from customer service at TJX Rewards Card/XXXX XXXX to confirm some charges on my account, and after speaking with him I realized there were quite a few fraudulent charges on my account, and he removed the charges and issued another credit card to me. I also had to submit a fraud claim and the fraud claim was denied as the bank said I benefitted from the charges, which is not true. I wrote the company a couple of times. I requested back up of these charges because I wanted to check the signature. The signatures do not match. Coincidentally, a fraudulent credit card ring was captured in my area not too long after the charges were made and they were housed in the area in which some of the charges were made. I 've closed the account and I wish to pay XXXX XXXX for the charges that I made, not these fraudulent charges. I have quite a few credit card accounts, and have no reason to make fraudulent charges. I would like the fraudulent charges removed from account as well as interest associated with those charges. I would like to know what my final bill is and pay it off 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