vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T Mortgage does not immediately credit proceeds received as principal pay downs or partial payments. Instead, the company sits on payments until the final monthly payment is received and then credits the account. This eliminates the advantages of paying bi-monthly or bi-weekly to decrease the interest paid over the lifetime of a mortgage. The public knows these payment options to be advantageous on any loan that is accruing interest daily. Placing pre-payments in a non-interest bearing state while daily amassing interest on the same sum is disingenuous and deceitful. 
The practice has no doubt costs consumers millions over time!!! 
Intra-month payments should be applied to accumulated interest and partial principal ; thus altering the relevant amortization schedule for the rest of the loan. 

It is extreme, but large lump sum payments towards a mortgage ( non-payoff ) can sit for more than a year and applied according to the original amortization schedule. Reaping the client no advantages while the bank as free access to the pre-paid funds.

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 2018-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again? 
Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ).  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank, paid the wrong insurance company from my escrow account on XXXX, somehow they sent a payment to XXXX which is not and was never my insurance company. My insurance company is XXXX XXXX XXXX XXXX XXXX XXXX, another payment was then sent to the correct company mentioned on XXXX. 

The amount of XXXX has been debited from my escrow account twice. 

Last week ( XXXX ), I called Flagstar and informed them of the issue, the first customer service agent said that the system was down and there was nothing she could do. I called back and spoke to someone in the insurance department that mentioned that she would investigate, this took 50 minutes of my time. Yesterday I got phone calls that I was not able to get to, I called back and the message said that a detailed voice mail was left ( but this is not so ). I called Flagstar again on XXXX and spent 90 minutes on the phone, after being transferred four times, I was informed that the system was still down, so they could effectively do nothing. They dont know the status of the first wrong payment, they cant send me a detailed list of transactions, nothing. The agent did mention that the new payment was successful ( per notes that she found somewhere else ), but thats not the issue that I asked to investigate, I need an investigation about the wrong payment being sent, and I need that money back in my escrow account. 

This same agent yesterday mentioned that the first payment was sent to my old insurance company, I corrected her and told her that XXXX was never my insurance company, somewhere along someone mixed up my information. 

Flagstar is also unanble to send information via emails per employees, additionally Ive asked about complaint or customer relationship department and theyve avoided the question ( they say they dont know ). 

I believe that the issue is now affecting my escrow evaluation causing my payments to go up.

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 2018-11-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi. I received a statement from the PayPal Credit showing a charge for {$670.00} plus {$38.00} fees, plus {$11.00} interest. It looks like it was a single purchase which I did not make because I do not have PayPal account and card. I have called customer service and told the representative that I did not do it because I had no PayPal account and credit card. I asked her when was the account opened she told me last year. It looks like the account was opened by someone else, a fraudster, or this is a fraudulent charge by PayPal because the statement is not clear to me ... I have received again the statement and I am very much upset about. 

I have no intention of paying the bill. I am a senior citizen and I am not the one who would do anything to myself to have unnecessary problems ... 
I hope that you will be able to help me out with this issue and I will be very grateful.

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 2018-11-08 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: VA

Complaint narrative:
On XX/XX/XXXX I mailed a dispute letter certified mail to the reporting company XXXX XXXX XXXX ( a part of XXXX XXXX XXXX ) which I have included for all to view. I sent it certified mail by XXXX where I have kept very close records time stamped, as well as date ; etc of exactly what they are suppose to comply with when receiving a dispute letter. I noticed this reporting to all 3 major bureaus when I pulled my credit in XX/XX/XXXX. I allowed the mail to actually get to them, and began counting the 31 calendar days they had to reply back to me from the date they signed for my letter. I also have attached my letter I received from the USPS with who, and the date of who signed on their behalf the day that took place. I also have included the dispute letter I wrote to them, and have also attached where I pulled my credit today XX/XX/2018 from XXXX, XXXX and XXXX to prove their noncompliance, and the violations that are set within laws, and the violations of my rights as a consumer have been totally ignored with no reply, and not placing the dispute comment on any of the reporting agencies proves they have failed to comply with many violations, and just as my letter stated. I would hold them accountable and file complaints to you, the proper attorneys general offices, and the XXXX XXXX XXXX. I demand they remove the listing collections agency XXXX XXXX XXXX  collection account from all 3 credit bureaus, and mail me proof that their negligence has been taken care of immediately from reporting any negative information in my name to anyone. Please hold them accountable!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: Valley Collection Service, LLC
State: AZ

Complaint narrative:
On XX/XX/2018 a 3rd party account called XXXX was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Wrong information reported on Experian credit report. I do not have a collection with XXXX in XXXX. I opened the account in XXXX with XXXX not a collection issue. Experian fails to report accurate information and cares nothing about individuals financial social status. Once again, the reporting of a XXXX collection in XXXX is inaccurate and they are only reporting eight years of credit history when my first student loan was in XXXX of XXXX. I have over twenty-three years of established credit. Your credit bureaus are ineffective at reporting accurate credit.

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 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: GA

Complaint narrative:
I received a voicemail from a XXXX XXXX with Wienberg stating the message is for XXXX XXXX last 4 of social XXXX. He is calling in regards to the complaint filed against my name and social and docket # XXXX. He did not give a company who filed this complaint. He gave me until the end of business day for me or my attorney to return is call or it will result in a court order issued at my place of employment or residence. His direct line is XXXX, ext XXXX. Thank you and good luck. I do not know who this Wienberg is and have not received anything in writing or any prior phone calls. While I do have debt, I have no idea if this is legit or not because this man won ; t give me any info or mail me anything in writing. Only threats. They called my previous place of employment leaving all the same info, my ex-husband who I have not spoken to i over 10 years and my aunt.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2018 Transunion deleted my XXXX XXXX credit card from my report by accident. I disputed another card that was not suppose to be on my report and they deleted the one that belongs to me which dropped my score tremendously.

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 2018-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Nordstrom claims on my credit report that I have an amount unpaid on the card, however I paid this amount and have the receipt of me doing so. Their claim on my credit report of this incorrect amount has resulted in a major drop in my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
The company responded to a previous complaint by quoting part of their User Service Agreement : To participate as a User, you must first enroll with XXXX. You must provide XXXX with an email address that you regularly use and intend to use regularly ( i.e., no disposable email addresses ), a US mobile phone number that you intend to use for an extended period of time ( i.e., no burner numbers ), and we may ask you to provide your mailing address. 
I provided all the requested information, and this company even sent me an email confirming that I was able to enroll for their service. However, after enrollment I was unable to use XXXX to send or receive money. I spoke with two of their reps over the phone just now, XXXX in first level customer support and XXXX in second level customer support. They both confirmed I could not use XXXX, even after I successfully enrolled, because I get free mobile phone service. 
This company policy of enabling users to enroll but then disqualifying them from using their money transfer service disproportionately affects minorities and the XXXX, of which I am both. 
To add insult to injury, this company seems not to be following its own user service agreement, which at first glance seems to enable me to participate in their money transfer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I went on XXXX which is Experian to get a free credit report. The service was {$1.00} for 7days free after that if you havent cancelled it would be {$29.00}. Ive been calling since XX/XX/2018 to cancel the service. Ive tried 5 different numbers and you cant speak to a live person to cancel membership. Ive emailed them 6 times and still havent received a response. I called XXXX XXXX to see if they had any suggestions on how to get this matter resolved and they stated I was the 3rd person to call in about the same issue. These are the numbers I have called and email address that Ive used also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

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 2018-11-08 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: CA

Complaint narrative:
I sent a letter to Transunion to delete unauthorized Credit Inquiries and they sent a letter back for me to reach out to call companies and have them remove them. I called companies and they stated they can not remove them.

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 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kauntey Mediation Services LLC
State: IN

Complaint narrative:
I received a call yesterday that went to voice mail. The message stated it was regarding a court case. No mention of who they are. I called the number back and the phone rang, yet no one has ever answered. I've tried several times today to call and still no one answers the call. 
This is what enrages me, my NEIGHBOR rec 'd the same call and had a message of their answering machine for me about the same court case that I got a message about. They are an elderly couple and were worried about me. And today, my boyfriend rec 'd a call from them too about me and the court case. He tried to answer the call but no one was on the other end of the call and the call automatically hung up. 
He and I nor my neighbors have EVER ventured into any financial arrangement ( s ). How are these people getting their numbers? 
their phone number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I typically pay this company ( Selene Finance ) through their website -- In XXXX I was having an issue logging in to my account -- I tried everything including an attempt to reset my password -- for whatever reason even the security questions were not coming up correctly -- I instead went to my bank and paid the account through my bank site ( XXXX XXXX XXXX ) the debit came out of my account immediately so I show receipt of the payment being made and clearing my account on XX/XX/XXXX -- here is copy paste of the transaction from my XXXX acct XX/XX/XXXX Online Payment XXXX To selene finance XX/XX/XXXX Bill payment However, SELENE FINANCE did not post my payment until XX/XX/XXXX -- I did not discover this until making my next payment on their site and seeing a " late payment fee '' applied. I immediately called them and spoke to a supervisor who I explained the issue I had on their website the month prior and that I had receipt of payment clearing my account -- she advised that she would make an adjustment -- they have not made it as of this date - I tried to contact them through email again in XXXX and I did not get a response - instead I received a letter in the mail that " draft was applied '' -- I do not know what that means but the bottom line is the {$41.00} is still showing applied on my account. -- if I go to account info it shows " past due '' - not only are all payments made prior to XXXX of the month but XXXX is already paid here is that screen shot : Mortgage XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AC ... XXXX ( Past Due ) Next Payment Amount and Date* {$1300.00} XXXX XX/XX/XXXX Past Due Amount {$1300.00} ( 7 Days Past Due ) * The amount and date are subject to change This bank is HORRIBLE to deal with on every level - their communication is awful given the day and age we live in of electronic effective communication -- I am a mortgage professional for many many years and own and have owned multiple properties and have never dealt with any servicer like this - their lack of customer service and attitude when you try to speak to them on the phone needs attention. We had an insurance claim last year and even dealing with disbursement holds was horrific -- This was the last straw I am very responsible consumer in making payments timely and insulted by this, especially to be told it would be taken care of and not - - I would not want my customers dealt with this way - thought you should be aware Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
wrong information I never lived in Florida and my driver license wasn't revoke and I never had violation of probation. Dates of offense XX/XX/1990

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from Transunion. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to Transunion and to XXXX and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express put my name and address on a XXXX/XXXX along with family members which is preventing me from accepting credit cards. I don't owe the company any money and this list of there's is inaccurate and discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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