vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
i had a flood and had NO issues getting funds from my insurance company. But the bank has had check for over 6 weeks and won't release funds. They leave messages to call them back, when you do you get a different rep. who doesn't know whats going on. They have asked for the same paperwork ( a summary page ). I have been waiting for 8 days for a manager to call me back. I am out of pocket for the contractor and the bank doesn't accept a cancelled check as proof of paymentand i speak to a different rep everytime i call who needs to review file. 
I am wondering what it takes to get my OWN MONEY BACK ... I have asked them to review our past conversations because of different information given, I have asked for a manager on 6 different calls and i get NOTHING!!!!! 
I have even asked to have the inspector come and see that we are 50 % done with work and hand deliver my funds i need to pay my contractor ... i am already {$61000.00} out of pocket -- -- there is no other funding avilable to complete this work ... .and today again for the 3rd time, they denied release for a summary page.

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 2018-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

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 2018-11-15 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: AZ

Complaint narrative:
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: AZ

Complaint narrative:
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

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 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid dealer {$1500.00} and trade in {$100.00} for my XXXX XXXX XXXX. I contacted dealer twice and asked them why they overcharged me approxiamately {$1300.00} over the XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Typical Listing Price Breakdown sheet from the dealer. XXXX Typical Listing Price Value is {$6600.00}. 
Dealer charged me {$7900.00}. This is dealer fraud. I want my money back. Dealer stole my down payment of {$1500.00}. The dealer overcharged me for this used car.

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 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
on XX/XX/2017 i was in a car accident with that vehicle and it was totaled due to the extensive damage to the front end.I purchased that vehicle inXX/XX/2017. The vehicle was towed to a police impound where the company picked it up and sold it for parts with all of my valuables in it as i was not able to retrieve my belongings from the vehicle such as my laptop and school supplies, my small tv, jewelry and etc. The company charged off the account while keeping the original balance intact while deducting what they actually received from selling what was left of the vehicle. The account was charged off after i was not able to continue making the same payments because they were bi-weekly and i was out of work due to the accident. They constantly harassed me for payment calling several times a day while even going so far as to rudely tell me to " go ask your family or do whatever you have to in order to make the payments ''. The amount that i was paying before the accident was {$150.00} bi-weekly and the total loan amount that is remaining and still reporting on my credit is {$7400.00} out of the original {$8300.00} and that was were my payments left off until the account was repossessed in XXXX after they got it from the lot and closed the account and sent it to collections then the debt was subsequently charged off in XXXX as it shows on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint recently that was closed after receiving feedback from Compass. The statement related to when the AG 's office made my past deposits available is false. I've attached both the dates cited by Compass and the dates published in my account on the Texas AG 's support portal. You can see a standard 2 business day delay. I've also attached the email response I received from the AG 's office stating that they make the funds available on the day  deposited. To clarify the timing cited by Compass as  starting in XX/XX/2018, I had 2 checking accounts with them for a few years to separate business income. I recently closed one of  those accounts ( ending in XXXX ) and moved the direct deposit to my current account ( ending in XXXX ). 

For easy reference, my original complaint : My child support payments are issued by the Texas Attorney General via direct deposit twice monthly. I have confirmed with them that the funds are released immediately. There is a standard 2 business day hold on the funds being released by BBVA Compass. The AG 's office posts deposit dates in my account on their website ... if the deposits are made on a Thursday, I don't receive the funds until the following Monday. If the deposit is made on a Tuesday, I receive the funds on Thursday. I have raised this issue with them several times, both via email and on the phone. I've had customer service representatives confirm that they can see the funds pending and they will be available tomorrow. I have also had them tell me that they do not see the funds pending, although the AG 's office shows they were deposited. I have tracked this 2 business day hold for almost 2 years now, as it has caused me significant expense in overdraft fees with Compass. I have read the FDIC rules related to ACH and direct deposits, and I believe Compass is not following them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I

had opened my account with XXXX on XX/XX/2017 and did few transactions until XX/XX/2018. After that they took my access to deposit or withdraw funds error showing " Sends and receives are disabled for your account. To enable these features, verify your account. '' I have already verified my account by providing all the required details and they have been telling me that our supervisor will review you case before we give you the access and its been over 4+ months starting XX/XX/XXXX that i haven't received any email or phone call from the company. I have called them over 7-8 times for the same and they tell me to wait, I have their emails mentioning i will receive a call or email from their supervisor in order to get the access. There are so many similar complaints against this company and they have blocked millions of dollars for other consumers too. I was surprised to hear this when i called them on XX/XX/XXXX that they claim they have sent me an email to verify identity which i claim that i haven't received and told them to send me again because even my account says my account is already verified which i already did on the XX/XX/XXXX. I told them have been following my case from months and nobody told me to verify my ID, everytime i call i have been told to my case is pending reviewed by supervisor and this time they told me i have to reply to the email which i never received and i told them to send me again and they say there is no way to send the email again which means i wont be able to get access to may account ever as according to them it was computer generated and can not be generated again. After having heated argument they still say there is no way to send the email again but the fact is my account is already verified and i have supporting documents for the same. I have been trying to sell my virtual currency from the past 4+ months and it has been depreciating since then and i am unable to make any transaction, Please help me my portfolio value has drastically gone down i have lost a lot of my saving because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I had a rentel property with Select Portfolio servicing Inc,  property address is XXXX XXXX XXXX XXXX Pa XXXX which was surrendered during a bankruptcy E filed on XX/XX/XXXX I assumed that everything was over as i never recieved any correspondence from SPS, including any tax bills or sewer bills after the discharge of my bankruptcy on XX/XX/XXXX In XX/XX/XXXX, while pre qualifing for a personal home loan, SPS appeared as an open mortgage in my name. 
I contact my attorney and she charged me XXXX to do a quick deed back to SPS. 

On XX/XX/XXXX i was served with a law suit from SPS filing an action of quiet title saying SPS had not had interest in the mortgage. 
I have XXXX from SPS with the address of the property for the year the bankruptsy was filed. Now they are saying that i had no right to convey deed to them. 

This is a ridiculous, frivolous law suit from a fraudulent company, they need to be stopped and this suit needs to be dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}. 

We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full. 

We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit. 

We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything. 

After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
For the last year my wife and I have made consistent payments on my student loan via direct payment from our bank account. Every month Navient has returned the payments back to our account without any explanation. When I have called, the agents state there is no record of the payments being made and that I am delinquent on the account. I am currently being reported as 90+ days past due. I have called and written the company providing the requested bank account information proving the payments and returns. I have provided and have never received a response to my complaint or concerns. I am turning to you for your assistance and providing the same information I have provided via the Navient website and USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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 — Problem with personal statement of dispute
Company: ERC
State: TX

Complaint narrative:
On XX/XX/2018 I sent ERC a debt validation letter and today XX/XX/18 I recieved a letter from them stating the debt was validated with a bill. Which is not validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX processed a mortgage modification for my residence. I made the 3 trail payments and my mortgage servicing was sold to Rushmore Loan Management. Rushmore would not honor the previous modification agreement they increased my monthly mortgage payment and referred my loan to a foreclosure attorney. I do not think I have been treated fairly I've been working with XXXX XXXX at Rushmore as the single point of contact. She is unwilling to assist me with my mortgage as well as Rushmore Loan Management. I don't want to lose my home. 


See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
My credit fraud by a company on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I received a call on my cell from a phony debt collector about a XXXX XXXX account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was XXXX XXXX which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by XXXX XXXX that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2018, I received a PRE-APPROVED application for an XXXX XXXX card through XXXX. I carefully read through ALL information before submitting my application. I did not find any mention of a hard credit inquiry that would be placed on my experian credit file. Several times it was mentioned that I was XXXX. My credit profile had already been PRE-SCREENED. I was completely shocked to see a hard credit pull from XXXX. I did not authorize this inquiry, nor was I informed that it would take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: OK

Complaint narrative:
SunTrust Bank closed my account for no reason and gave no reason in their letter I received regarding the closing of my account. In the letter it says that it is going to be 15 business days before the funds are returned to me. Its been well after 15 days and so I called them and now they said it is going to be the end of XX/XX/XXXX! This is nuts!!! 
There was XXXX dollars in my account when they closed it. This bank is a fraud!

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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my 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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Personal information regarding addresses that I never inhabited are listed on my Experian Credit Report on page 6 of 6. Two telephone numbers that are not mine but are listed on my Experian Credit Report. I want these errors removed from my credit report.

1. They are as follows : XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX and 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Type : Single family Geo Code : XXXX Address Identification number : XXXX Telephone Numbers listed are in error : 1. XXXX and 2. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a call on my cell from a phony debt collector about a wells fargo account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was Wells Fargo which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by Wells Fargo that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.

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