vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
A mortgage in my name is being serviced by Fay Servicing, an organization which, according to your website, has already overstepped the law as it relates to moving forward with foreclosure proceedings while borrowers are actively seeking help to save their homes. 

Arrangements were made during the summer of 2017 to list the affected home in a short sale. Terms of the short sale were drafted and agreed upon by all parties, and the home was listed and shown to prospective buyers but ultimately was not sold before the expiration of the short sale agreement. According to Fay Servicing, the next step was to reconvene and draft a new agreement listing the home at a lower cost to attract more potential buyers. Multiple representatives of Fay Servicing stated in telephone conversations that they did not want to foreclose upon the property and that they would continue in good faith to find a solution. 

Regardless of these declarations of good faith, on XXXX XXXX, 2017 I received an email from my credit monitoring service that my XXXX credit report had been updated to include that my account with Fay had been marked as foreclosed. Indeed, when I went to view the report, it had been marked " Foreclosure Process Initiated ''. 
A representative of Fay Servicing responded to inquiries about this change to my credit report by saying that it was part of their normal process and nothing for me to worry about. 

Additionally, to date I have not been served with any papers indicating an imminent foreclosure which, as I understand it, are required by law to be provided to the property owner with 35 days notice before any proceedings can be moved forward. 

I would like to point out that your organization fined Fay Servicing, in the amount of {$1.00} XXXX on XXXX XXXX, 2017, for doing exactly what they are apparently continuing to do as of three months after their punishment and most likely up to the present time. Fay Servicing CEO XXXX XXXX was quoted as saying that your consent order included asking Fay Servicing to " comply with mortgage servicing rules '', which they clearly have no intention of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to Experian, XXXX and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.

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 2017-11-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
My husband and I are refinancing our existing mortgage with XXXX XXXX XXXX, currently our mortgage is with XXXX XXXX. We also have a home equity line of credit with BB & T bank. We want to maintain our BB & T equity loan. XXXX XXXX has contacted BB & T several times to make arrangements for the change of the new mortgage and has repeatedly been told that they do not have a department to take care of that service. We are senior citizens and my husband has repeatedly called BB & T and been given the names of people to take care of the situation and when XXXX XXXX then contacts that individual they are told that they do n't handle that. At this point in time it has become very stressful because it will delay settlement.

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 2017-11-27 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: United Revenue Corporation
State: TX

Complaint narrative:
XXXX shows collections from United Revenue Corp for XXXX XXXX XXXX. I have called URC twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Made a purchase @ XXXX XXXX XXXX XXXX 's in 2012. Wanted to pay cash but was talked into by the sales person to take an 18 month promotion that I could pay off before the promotion ended and would n't be charged any interest. 

I had the monthly payments automatically withdrawn from my checking account. It was my understanding that the monthly payments would pay off my purchase in the 18 months. Was never advised that my promotion ended and the interest would accrue@26.99 %. My total for the 2 purchases was {$2600.00}. Have n't made any purchases since then and my balance is now  {$5700.00}. This includes all the interest for the promotional 18 months period and interest on the interest. 

I 've paid approximately {$170.00} per month from my checking account for the last 5 years. I never received paper statements and did n't realize I still owed them money until I received an email that my credit line was increased. When I called customer service they explained to me what happened. I assumed I was paying for insurance on my purchase and never questioned the charges. When asked if I could pay a settlement amount that was less then the balance, I was told no. 

I 'm beside myself at the moment. I 'm a single mother and take care of my sick mother full time. I ca n't understand how a company could take advantage of me like this.

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 monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.

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 2017-11-27 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: PA

Complaint narrative:
My issue involves two incidents with my Chase AARP XXXX card. I have that I had been charged twice {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. When I contacted Chase in an attempt to resolve the issue I was told the conversation would be recorded. My response was that if Chase was recording the conversation I would be recording it too. Chase advise me that I was " not permitted to record and if I chose to they could not assist me ''. My response was that I did not want the conversation recorded if I could not record it too. After my requesting to speak with a supervisor I was told the conversation would not be recorded, my XXXX XXXX system indicated that Chase was recording. I spoke with the representative and ended up having to resolve the issue directly with XXXX XXXX XXXX. 

The second issue was on XX/XX/XXXX. I had stayed at the XXXX XXXX XXXX in XXXX and accidentally left an item. XXXX through XXXX found my item and agreed to ship it to me. XXXX had me go on line and complete the order, the time was XXXX XXXX Sun. XX/XX/XXXX. The charge was {$21.00}. Upon using my AARP Chase XXXX card the security code was rejected 3 times. I contacted XXXX and was advised to use another credit card. My other card went through immediately. I phoned Chase upon getting an email message at XXXX XXXX that a fraudulent charge may have been placed on my card. Again there was the issue of Chase insisting on recording the conversation and denying me permission to do the same. Chase told me the XXXX {$21.00} charge was pending on my account when I had a receipt that the charge was placed on one of my other credit cards. Chase sent an email at XXXX XXXX that my card had been cancelled and a new card would be issue upon my contacting them. This morning Monday, XX/XX/XXXX at XXXX XXXX I contacted Chase again had the recording conversation issue and was told the email was an error. I requested an email confirmation that my card was in good standing and have not received it. 

My main focus is that if Chase is recording the conversation I should have the right to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: GA

Complaint narrative:
TRANSUNION AND XXXX XXXX TO FOLLOW SUIT AND DELETE UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT.. I 'M FED UP WITH THE RED TAPE AND EXCUSES, XXXX DELETED WITH NO ISSUE, AND I SENT CERTIFIED LETTERS TO THE CREDIT AGENCIES WITH NO RELIEF

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 2017-11-27 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: MI

Complaint narrative:
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to XXXX, XXXX and Transunion and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.

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 2017-11-27 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: MI

Complaint narrative:
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over 15 hard inquiries on my report. I have spoken to XXXX, Equifax and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: OLIPHANT FINANCIAL, LLC
State: MD

Complaint narrative:
had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. 
for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her 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 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello, I am getting in touch because I have received an unauthorized charge from Coinbase on the card I use to buy digital currency. This is the second time I have received such a charge ( the first time I worked through my credit card company and promptly received a refund ). 

For two weeks now I have attempted to work with Coinbase to identify the issue. Further, since I raised the issue to Coinbase they have locked my account ( I am unable to buy and sell digital currency ), presumably out of a concern about fraud.
Coinbase 's website indicates that their representatives respond within a day in cases of fraud, however I have been waiting two weeks for resolution. In the meantime the unauthorized charges in the attachment I have posted below are still on my card. Thanks so much for your help. 

1 ) XX/XX/XXXX : {$1500.00} - Legitimate charge 2 ) XX/XX/XXXX : {$950.00} - Legitimate charge 3 ) XX/XX/XXXX : XXXX : UNAUTHORIZED CHARGE - I did not make this charge and did not receive any email documentation from coinbase regarding this charge. 

4 ) XX/XX/XXXX : Refund from my credit card for an unauthorized charge. 

5 ) XX/XX/XXXX : UNAUTHORIZED CHARGE - this is the same situation as Charge 3 above - I did not make this charge and did not receive any emails from coinbase about it ; it simply appeared on my credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello On XXXX XXXX, 2017, I transferred from my account at Coinbase the amount of EUR XXXX to my bank XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX. To this day, the money has never arrived. I have written to Coinbase support several times and called by phone. They recognized my problem, but do not respond further to my emails or calls. Every time they say the same thing : they would try, but nothing is done. I do not know what else to do. Could you please help me? 

Kind regards XXXX XXXX XXXX XXXX XXXX XXXX Tel. : XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech Financial LLC first appeared on my credit report and at the register of deeds office in XXXX XXXX N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with Ditech, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called Ditech lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed Ditech from my credit reports. XXXX then contacted Ditech and requested a " Quit Claim Deed ''. After his initial contact with Ditech Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks

Company response to consumer: Closed with explanation