vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have file numerous complaints about select portfolio - they continue to harass and threaten me with foreclosure - they lack standing -they are not a real party of interest -nor do they have LEGAL documentation re : chain of title -and can not show perfected title. I have sent numerous request for quality written responses and they will not answer the questions asked. Instead they contact me via landline one day they want to know what my intentions with my house are ....??? then a few days later they call and state they have approved me for a loan modification??? then a few days later they call and say I am out of options only cash for keys now and they will be foreclosing and leave the home broom clean!!!! XX/XX/XXXX XXXX XXXX called from sps- re loan modification XX/XX/XXXX XXXX XXXX called from Sps-Re cash for keys no other options XX/XX/XXXX XXXX XXXX called from Sps Re leave home broom clean we will be foreclosing XX/XX/XXXX XXXX XXXX called from Sps Re : postponement of foreclosure was set for XX/XX/XXXX now postponed to XX/XX/XXXX- When I asked him the reason for the postponement he stated " There is just too much going on ''??? then in the mail i receive from sps the notice of postponement ( see attached ) I also receive from XXXX XXXX the company hired to do the foreclosure - 4 registered letters are postponement to XX/XX/XXXX for sale. ( see attached ) ) and now when I checked XXXX XXXX website re : my home the date is XX/XX/XXXX??? why the different dates??? there is no lender listed on file with foreclosure sale??? XXXX XXXX as well as Sps do not have the legal standing to foreclose on my home nor does XXXX XXXX XXXX XXXX XXXX ( never my lender ) - these three companies do not have legal standing, nor are they a party of interest - they do not even have the correct information, deed, promissory note - etc -what they have produced have been forged documents -wrong forged documents -the deed is invalid-there is no indebtedness to them and they have no authority to foreclose Sps continues to commit elderly abuse-violating the truth in lending act-forged documents -and has been illegally attempting to take my home for 12 months ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Went in to apply for a mortgage and when credit was pulled was told ditech reported home as paid off in XXXX, yet I am still receiving a monthly bill. Was advised to file a complaint with the cfpb. Have tried to contact ditech before about issues with how much was actually left on loan. Have been shuffled around on phone with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: TX

Complaint narrative:
XXXX   XXXX  used a hard inquiry on my credit report. I do not have a  XXXX  account.   However my name is associated with my mothers account and I changed from  XXXX  to  XXXX  and there is no reason for them to have run a hard inquiry on my credit.   In fact after cancelling the account she had no contract they still took money out of her account for the next month when the service had been discontinued. The service however is under her name and she pays for it. So again there should be no reason  XXXX   XXXX  filed a hard inquiry under my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I contacted Wells Fargo to learn how to close my account in XXXX of 2017 as we had recently moved to Ohio and there are no Wells Fargo branches nearby. I was told at that time that all I had to do was transfer the full balance in my account out of the account and the account would be closed. I did so on XXXX/2017, first moving all monies from my savings account into my checking account and then transferring electronically all funds in my checking account to a different bank account. On XXXX/2017 I logged back on to the wellsfargo.com website to retrieve my final bank account and was shocked to see an account balance of {$0.00}. The {$0.00} was the result of an interest payment made on XXXX/2017, long after I had thought the account closed. The minimum transfer amount is {$10.00}. I contacted Wells Fargo and was told that if I did not withdraw the balance ( {$0.00} ) I would be charged a monthly service fee. I find this situation outrageous insofar as I complied with the process outlined by Wells Fargo to shut down my account, yet the account remains open and I may be subject to monthly service fees as a result. Had I not logged on I might never have even been aware of the issue until after fees had accrued.

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Home mortgage company has lied to me on several occasions during my attempts at a loan modification. The assured me they would have my file transferred to a home preservation specialist in time to meet deadline on the Making Homes Affordable program.That did not happen, so I no longer qualified for that program They denied my modification and appeal, saying that it conflicted with with bankruptcy, even after my attorney told them we could adjust the bankruptcy to fit there terms.
I requested another chance at a loan modification, stating my finances had improved and they said they would send me out another packet, but after not receiving one, I called to see what 's up and they said they were not going to let me re- apply.
<P/>
At one point a supervisor said they needed till the middle of XXXX to make a decision, but it turns out that the decision had already been made ( appeal denied ) and they were trying to bide time for bankruptcy protection to end so they could start foreclosure process. The last Specialist that was assigned, never talked to me once and never returned one phone call.
If I had n't called, I would have never known. Usually takes 2 weeks to get a letter from them that is dated way back. They write them and date them but do n't send them out, so everything is 2 weeks behind, which cuts down responses time.
At one point they said I was approved and then came back and said, oops we made a mistake, you 're denied. I have ask them for 2 months to sell the house, for I have equity, and they refused, so now they are going to start the foreclosure and I will loose all my equity. This has been a most horrific experience. It all started due to medical issues, which I have recovered from fully and I am in full swing again, except I am going to loose my house.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
During a glitch all my inquiries were deleted but TransUnion added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I called TransUnion to advise I was aware of the  2 sep arate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. I spoke to  XXXX  in  XXXX  who refused to transfer me to a  US  special handling agent then advise me the inquiries would not be removed and forcefully ended the call.

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 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
Debt not mine, does n't belong to me, no contract with company, is n't licensed in sc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
On  XXXX   XXXX ,  2017 , I sent a validation letter t o Franklin Collection Service,   Incorporated in  XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Complained to financing company about the vehicle being defective. Ca n't trade in the vehicle due to manufacturer defec t. Vehicle leaks gas and has electrical issues. As a consumer, I should n't have to continue pay for a Vehicle that has  issues. Especially when the customer has a defective product and has complained about it numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I put in a report to the bank that my wallet was lost and that the funds from my bank account was taken put in a report and i was told it would take up to 10 days for them to do their investigation before they could give me a credit on my account. Not taken to account that i have bills that need to be paid. I was told by a bank person that they never refund any money to anyone that this happens to the banks name is TD bank and that i can just kiss my money good by I AM REPORTING THIS BANK BECAUSE WHEN I OPEN THIS ACCOUNT I WAS TOLD I WAS PROTECTED AGAINST FRAUD 100 PERCENT this is not the case XXXX WAS TAKEN FROM MY ACCOUNT. I do not know what to do at this point. I need your help on helping me get my money back the account number is XXXX XXXX XXXX XXXX XXXX XXXX  Again I spoke to the bank and i have gotten no where. I do not think is fairfor the bank to tell me that I THERE NOTHING CAN DO ABOUT THIS AND THAT my hard earned money is gone. Please help me in this matter ... ... ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22 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: U.S. BANCORP
State: TX

Complaint narrative:
My wife and I found a new home we decided to buy it so when the lender ran our credit everything looked good but one account on mine it was from U.S Bank it said never paid a bill 90 days late cancelled account. I told the lender I do n't know anything about this account so they game me contact numbers to call to find out more about this account. Finally after four different numbers being transferred to and waiting at least 10-15 minutes each time to talk to someone I found that U.S Bank is a credit card company and someone took my information when on the internet applied for a credit and was approved for {$5000.00} so this person that stole my information purchased {$4200.00} of merchandise and never paid on it. So I talked to the lender and they said this shows up bad on credit score and this is going to drive your interest rate up maybe not even be able to get the house I had a XXXX credit score before my information was stolen now it 's a XXXX. I.S Bank told me it will take 90 days to take care of this and when they are ready to clear this from my records they will send a letter in the mail saying it 's taken care of. My wife and I ca n't wait 90 days we can miss out on this new home we are trying to buy I spoke to atleast 3 different people from U.S Bank on the phone all them say the same thing 90 days this is just not fare or right how can someone go on the internet apply for a credit card and get approved? My wife and I are frustrated we do not know what to do?

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 2017-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I submitted an end of lease buyout form online from Wells Fargo in order to purchase my lease. It was said that I was approved and gave me my interest rates and payments based off m y credit score they ran and my information As I chose the one I wanted, I waited to hear from the company to finalize the loan that I was approved for.   When I received the call, I was told I was now denied.

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Transferred the balance of a capital one account that was delinquent in late  XXXX  to early  XXXX . The account was up to date in mid  XXXX , account balance of  XXXX  was transferred in  XXXX   XXXX ,  XXXX  to a lower interest account that was opened with a local credit union. The new  XXXX   XXXX  account that was opened on  XXXX / XXXX / XXXX  has never been past due and I have always payed  XXXX , almost double the minimum payment (  XXXX  ) The balance has been current for over a year and no longer is there any delinquent accounts opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC

Complaint narrative:
{$2000.00} false amount, no contract with company, not my account, not licensed in sc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is well aware of an identity theft.gov report as per previous rep spoke with the rep tonight said ca n't find report and Transunion is taking more  than 48 hour s to block fraudulent items on credit file

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 2017-06-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It had taken me more than 20 letters and over 30 phone calls for this dispute of {$3700.00} with Chase. Merchant had a return policy of a full refund, and the return receipt stated as full refund, but the merchant only refunded me partially, so that there are still {$3700.00} was not refunded by the merchant. <P/>I had opened this dispute within 60 days of the bank required dispute window, and had provided all the necessary documents and had talked over 4 supervisors ; however, the personal who worked on this case kept confused with some facts : gift card is not USD dollar to dollar, some same amount before the return was not part of the return ... <P/>I kept telling Chase that {$3700.00} on my credit card on XXXX XXXX XXXX was not part of the refund to the return of the earring On XXXX XXXX XXXX. After discussion with XXXX, an account supervisor in dispute department, the dispute department had acknowledged that a mistake had been made to think this {$3700.00} on my credit card on XXXX XXXX XXXX as part of the refund I could not get a return refund without returning it later, right? This is another proof that this {$3700.00} was not part of the refund, so that XXXX XXXX still owes me {$3700.00} for a full refund indicated on its return receipt, provided. <P/>Since this dispute was submitted on time and all the proof/documents have been provided, it depends on Chase to fix up its mistake and chase my not-refunded money back to finish its fiduciary duty to a long term client. <P/>It is really a simple case : Under the federal law and the merchant 's return policy, I shall get a check of {$27000.00}, however, the merchant refunded back to my credit card of {$24000.00} only. Chase told me that they would n't enforce law on the merchant, but I had called no less than 30 times and wrote via Secure Message Center no less than 20 times to indicate that I want to continue dispute this case. And the Supervisor XXXX had kept this case open within 24 hours. Since then, this dispute had been dragged on for half a year. It 's time to chase the remaining portion back, {$3700.00}. <P/>Thanks.

Company response to consumer: Closed with explanation