vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NH

Complaint narrative:
In XXXX of 2010 my mother in law passed away still owing a mortgage on her house. The house was left in a trust, the beneficiary being her son, my husband. 

For the last 8 years we've struggled to communicate with the mortgage company because we're not 'authorized ' to speak on behalf of the mortgage. We make the payments and claim the mortgage interest and real estate taxes every year. 

My husband is on the deed. After my mother in law passed away the attorney filed a new deed with his name with the county. 

We've faxed the trust, the death certificate and a copy of the deed to the mortgage company and again to the company who took over servicing the loan. 

They will not talk to us. Still. After reviewing all the documents. They will not discharge my deceased mother in law so we can refinance the house in our names. It's been 8 years. I'm tired of fighting with them. 

Every month they send someone to the house to take a picture of it and make contact with us to ensure someone is living in the home. 

They refuse to tell us why. 

Can you help? 

Clearly we have demonstrated an interest in the property, we've paid for it for the last 8 years and my husband 's name is on the deed. 

They keep saying they need a fiduciary statement. The registry of deeds and our lawyer said because the house was in a trust it never had to go to probate, therefore a fiduciary statement will never exist. 

They are making this impossible. 

What options do we have?

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 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
in XX/XX/XXXX I purchased a XXXX XXXX of the year at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it was financed by GM FINANCIAL, on XX/XX/XXXX the car was total lost as a result of a car accident, my insurance company ( XXXX ), the guarantee of the car and the company of the GAP paid the total amount of the car all this hard process star in XXXX of the XXXX until XXXX of the XXXX, in XX/XX/XXXX of the XXXX I received the bill of GM FINANCIAL where it shows me that my account is in XXXX  and is closed. Since the end of XX/XX/XXXX I am calling the company GM FINANCIAL because I review my credit report and it appears that I am owed the amount of {$4100.00} since XX/XX/XXXX to this company, I have called GM FINANCIAL two or three times a month since the end of XXXX asked the company to fix this problem, and every time I call they tell me that I have to wait, that the system does not work, that the program they have to close the accounts is not working etc ... I do not know what to do and my credit report score still low. I would appreciate the help you can give me to this matter. 

thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
I have a car with XXXX XXXX company back in XXXX of 2018 my car broke down and lgm paid for it and I was to pay them back 3 payments of XXXX I paid off all of what I owed them and they are stating that I have never made a payment on it I have sent them all of my receipts and bank statements showing that I paid them and they are just ignoring them and refuse to fix their mistake.I have shown them all the proof that I have and they disabled my car and are very unprofessional and dont want to even listen to whatever I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: OH

Complaint narrative:
I initiated an online dispute on XX/XX/2018 for 6 accounts in collection for reporting inaccurate dates and balances and 4 belonging to the same company that was paid off by my insurance. The dispute results of these accounts were found to be accurate and/or updated. I have verifiable proof to have the accounts on my credit file corrected and deleted. 

1 ) XXXX XXXX XXXX # XXXX This account has been re-aged and is reporting this account a year off of that in which the original creditor XXXX XXXX has on file. 

2 ) XXXX XXXX # XXXX a ) XXXX XXXX # XXXX b ) XXXX XXXX # XXXX c ) XXXX XXXX # XXXX These accounts are reporting on my file when they have been paid off in full by my insurance company as a result of a workplace accident. My insurance company verified this and is sending me the billing summaries as proof that these accounts were paid in full. 

3 ) XXXX XXXX # XXXX Reporting the wrong total balance. I have proof from Urgent Care with the total balance of this account is {$94.00}. I also paid {$15.00} on XX/XX/2018. 

TransUnion has done a very poor job into the investigation of my disputes knowingly allowing inaccuracies to remain on my personal credit report. TransUnion has failed to provide me with a fair dispute and as a result have damaged my credit. I believe TransUnion never even looked into my disputes and allowed these debt buyers to illegally report innacuracies knowing the information they had provided to TransUnion was not truthful, those TransUnion is at fault for not properly investigating.

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 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: COMMERCE BANK
State: NC

Complaint narrative:
I owed credit card Commerce Bank of XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX Recovery Department. Previously I was contacted I had set up arrangements for paying them through XXXXXXXX XXXX  XXXX, but had to drop them as it was a secured account. Received notice from XXXX XXXX XXXX that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact Commerce to see if they would accept the offer. Sometime before the XXXX of XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that XXXX XXXX XXXX placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I have been called repeatedly by a recording from " debt collectors '' named Harris and Harris, wanting me to call their number. This occurs every few days for the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I have been requesting validation of debt for a collection from on my XXXX and XXXX   credit profiles since earlier this year of XXXX from Summit Financial account # XXXX. On either time of my validation requests has Summit Financial provided me with a signed contact. Approximately 2 months ago I fike A complaint via the CFPB reference never receiving the proper documentation reference said accounts public auction being held which wouldve allowed me the opportunity to recover said vehicle and the credit bureau XXXX advised they would provide proof via mail within 10 days, which they did not. What they did send me ( documents dated XX/XX/XXXX ) was an updated version of my credit report which indicated that they had modified the comments to a Chrage off with a fixed rate. They never provided with the documents I requested. Now moving forward I requested an early exclusion via XXXX in XX/XX/XXXX for said account and Summit Financial has now moved my date of delinquency from XX/XX/XXXX to XX/XX/XXXX. Because Summit Financial not XXXX XXXX XXXX has provided me with the legal documents of a signed contract As per the FCRA during my validation requests I am requesting that this account be removed from my XXXX and XXXX   credit profiles. Id also like to add that prior to qualifying for the early exclusion via XXXX and XXXX I was successfully able to remove Summit Finacial from my XXXX   credit profile via an early exclusion request as XX/XX/XXXX. It appears that Summit Financial is intentionally attempting to further harm my credit profile and my credit score by refusing to provide me with the documents the FCRA states that Im legally entitled to once validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I ordered and received 3 pair of shorts from XXXX on or about XX/XX/2018. I returned all 3 pair  in same pkg on XX/XX/2018 prior to receiving my statement. When I received my statement I noticed a late payment fee so called on XX/XX/XXXX and spoke with several customer service representatives and was told they would waive the late fees and I only had to pay {$9.00} to pay balance which was for shipping label I used to return the shorts. I paid it that night and have received another statement for late payment from XXXX. Apparently the 3rd pair of shorts was never credited. I emailed customer service on line and was told they only showed credit for 2 pair! This is obviously an error on XXXX or XXXX part. I am disputing the balance! {$9.00} plus late fees. Bringing balance to {$34.00}!!! Also XXXX reported late payment to credit reporting agencies which has affected my credit score. I reported dispute to them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
After filing for Bankruptcy XX/XX/XXXX, XXXX and CHASE BANK, where on my credit report as a history and showing that I have a mortgage account. It is now XX/XX/XXXX.  According to XXXX XXXX XXXX XXXX, XXXX requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. XXXX needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, stupid, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: CA

Complaint narrative:
The account from XXXX should be removed since its Fraudulently opened. I have enclosed a letter from XXXX to have item removed.

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 2018-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2018 we purchased 2,500 XXXX followers for our XXXX page. The company we purchased them from was called the XXXX XXXX. To date, the XXXX XXXX has only delivered 1,649 followers, which is under the 2,500 we paid for. The XXXX XXXX does not respond to emails regarding this transaction. 

We disputed this transaction with PayPal and they continue to say the item was delivered as promised. Though an item was delivered, the service failed to fulfill the quantity we purchased. The item we paid for was not delivered as promised. We purchased 2,500 followers and only received 1,649 ( and those followers drop off daily ).

We are asking for a full refund. PayPal refuses to refund this money to us. The service we paid for was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: FL

Complaint narrative:
On XX/XX/2018 I submitted a dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/XXXX Equifax replied with confirmation Number XXXX statingthey had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. They provided me with the following invalid address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX , XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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: CA

Complaint narrative:
I have been a victim of Identity Theft and sent Transunion a Id theft report and police report. XXXX XXXX loam reporting Fraudulently.

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 2018-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On Saturday, XX/XX/XXXX, I checked my PNC Bank account and saw that my balance was {$1000.00} lower than I had expected. I called PNC Bank, and they told me that someone had used my identity and walked into a PNC Bank branch on Wednesday, XX/XX/XXXX, and withdrew {$1000.00} from my checking account. The fraud services representative at PNC Bank then compared the signature from the {$1000.00} withdrawal against my signature on file from when I opened the account, and noted that they did not match. Upon further investigation, PNC Bank called me later that week and told me that this incident occurred at the branch on XXXX XXXX XXXX. I was told by the fraud services representative that the {$1000.00} that was taken from my bank account would be returned to me within 3 days of my initial phone call to them on XX/XX/XXXX. I have not yet received the money, and have made repeated phone calls asking why. Each time, PNC 's response is vague and and unhelpful, and I am concerned that the {$1000.00} that was taken from my bank account will never be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: DISCOVER BANK
State: NY

Complaint narrative:
I have bought 3 Air line tickets by Discover card, from Travel Agency called XXXX XXXX XXXX XXXX XXXX/ travel on XXXX/XX/XX/2018 from NY/XXXX/XXXX and return on XX/XX/2018 XXXX/New York. Suddenly I found that the return ticket has been canceled so, I called XXXX XXXX, they advised that the travel agency cancelled it, however, I didn't request to cancel it and I didn't give the travel agency the permission to cancel it so, I called discover to dispute the amount {$2000.00}, I waited them over month and I sent to them that the merchant has cancelled my tickets, he stated to US department of state that he cancelled the tickets so, what happened is XXXX got refund from XXXX XXXX + the amount that I paid for them. and from my side I paid extra {$900.00} to fix the ticket and I paid another {$1500.00} for a new ticket. so, total paid for the tickets {$2000.00} + {$900.00} + {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a XXXX XXXX Department store card 19 years ago on XX/XX/XXXX. I am XXXX years old and for 19 years, my account has always been on time. Around 13 years on XX/XX/XXXX, XXXX 's automatically opened an XXXX account in my name. These 2 different accounts are both in the same physical card and apparently both managed by the same online account. I registered for Auto-Pay for my account so that there would never be a problem. I spoke to XXXX XXXX and verified that Auto-Pay was setup. However, for some reason in XX/XX/XXXX, XXXX XXXX hit me with a late payment status for the store account but not for my XXXX. This is not right. XXXX XXXX has created a very complicated system that is unfair to consumers and I would like my credit report corrected.

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