vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: VA

Complaint narrative:
On XX/XX/2019 I found out that Selene Finance had interfered with my real-estate bill from XXXX County VA. At that point, I called Selene Finance and informed them that they were incorrect for paying my real-estate taxes. The person I spoke with at Selene Finance said he would have it fixed within 10 days, it now has been well over 150 days and countless phone calls, everyone I have spoken with at Selene Finance within the last 150 days keeps saying the same thing, I will fix it. 

I have faxed them the receipt from XXXX County VA, to show that I had paid the taxes. I have requested on four different occasions, including a fax communication that they give me a signed copy of the agreements showing me they have any right to take escrows and/or any other payment or payment ( s ), to date I have not received those agreements. They are trying to collect {$3300.00} a month to include mortgage and escrows, which is incorrect. For the past 12 years the mortgage has been {$2000.00}. At the time the mortgage dispute was to be resolved they sold my mortgage to another lending financial institute, XXXX XXXX. On XX/XX/2019 it was sold to XXXX XXXX XXXX XXXX although Selene maintained servicing the account the mortgage was increased the same month as the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent the FTC violation to Experian b/c of the XXXX breach they still have not done anything to remove the XXXX loan that on my 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 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I was fast talked in to giving {$500.00} on a appraisal fee to Amerisave Mortgage. This was on XX/XX/2019. Now no one returns my calls or emails. I think the {$500.00} is gone. Both my wife and I are on fixed incomes and have severe medical conditions. This really hurts our financial resources.

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have a TD Bank Checking account. I was hit with {$280.00} dollars of over draft fees. I deposited Check and cash ( {$500.00} check & {$330.00} Cash ) in last 2 deposits over the week. Just to have a negative balance as of today. TD Bank assess fee 's on their own their own fee 's that cause my account to be negative. So, there is a snow ball effect of fee 's. Very unfair practice. I am told TD Bank will always debit your account before they add a credit for deposits. Which means they will seek to charge over drat fee 's first, then credit your deposit, which has the potential to generate massive income from fee 's from poor individuals like me. One particular instance, I had a {$1.00} debit card fee that caused a negative balance. I was charged {$35.00} Fee for a {$1.00} charge. Is that not be Usury!? ... This is A Very unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 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: WA

Complaint narrative:
XX/XX/2019 : Tried getting TransUnion annual credit report. Went thru all the steps ; answered all the questions ( 6 or 7 I think ), and it didn't load. My name was at the top as if I was logged in to see/print it but no report there. 

Message on screen said " We are experiencing technical difficulties '' and to " try again later or to request by phone call ... Alternately to request your Free Annual Credit Report by mail ... to download the request form. '' I shouldn't have to jump thru any more hoops. It showed me I was basically logged in, so if they have my confirmed identity info and are having 'technical difficulties ' then they should just say on the screen : " We will mail your report to your current address. We apologize for the inconvenience. '' Since they don't do that, now I need to take MORE of my time 'later '.

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 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My father had a catastrophic health event on XX/XX/2019 and is now completely incapacitated. He is severely XXXX  and XXXX   XXXX now and does not even know who he is. He is in a long term care facility and still might not survive. I have full Durable Power of Attorney. I have had no issues with any account of my fathers including his bank, other credit cards, the IRS, XXXX, etc. They complied with the POA request and allowed us to control and/or close all of his credit cards. The exception has been Capital  One. The card was paid off by us, and we have requested that they close the account by fax on XX/XX/XXXX and XX/XX/XXXX and over the phone multiple times starting the XXXX week of XXXX all this year, but they refuse without speaking to my father who cant speak. Now today I got a bill via email from them for the annual credit card fee. I have removed payment information but this is getting to be a little bit ridiculous. We just want them to close the account. I have faxed them multiple times and called them multiple times but they refuse. Can you please help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: NV

Complaint narrative:
MIDWEST RECOVERY SYSTEM ( XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
on XX/XX/2019 I made an online payment from XXXX XXXX bank to MyLoanCare. The records online showed that the payment went through, however I found out on XX/XX/XXXX that the payment did not go through. I transferred some other funds XXXX XXXX to another mortgage because I thought that the payment for MyLoancare had already gone through. However since the funds were below by {$50.00} the payment had not gone through. I spoke to them on XX/XX/XXXX to see if there were any issues and I was not told about the NSF ( insufficient funds fee ) but then on XX/XX/XXXX I see there was a {$25.00} fee charged. 
I politely asked to see if this fee can be reversed as I was paying additional amount and that I had not been behind on my payments ever. However I was told that they would not reverse this charge. 
I politely asked to speak to a supervisor and they said the supervisor will also say no and I never got to speak to supervisor. I was just told the answer is no. 
I dont feel that I should be charged {$25.00} dollars because of a bank error in regards to transfer of funds. The online payment system for Myloancare is never updated and it kept showing that the funds had transferred and the site was never updated until XX/XX/XXXX. I had even called to see if there were any issues with the payment and I was told that they payment had gone through. Because of their misinformation the insufficient funds issue arose. However I have to bear the fees, the amount is small but I am more upset with the way they treat a customer that has always paid on time and that they do not take responsibility for their mistakes and failure to update their website and account information shown on their website when I log in to my account.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
CashNetUSA charges a 459 % ( Four hundred and fifty nine per cent ) interest in personal loan which I believe it is USURY. ( Maybe not in America where everything is permitted by the corrupted Congress ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
Ditech is refusing to give me statements regarding my mortgage payments. They sited CFPB rules stating they are not allowed to because I had filed bankruptcy in the past. My bankruptcy closed with all debts payed in full XX/XX/XXXX. They stopped sending me statements in XX/XX/XXXX. They have however sent me two escrow analysis statements in this time period. I just want to be able to see my statements. I am not currently in bankruptcy nor have I been since XX/XX/XXXX. They're only response when contacted is " per CFPB rules we are not allowed to send you statements ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan number : XXXX Hello, I'm filing this complaint, against LoanCare, as I have been unable to move my request for a loan modification foreword in any manner whatsoever. 

My first attempt to resolve my foreclosure began in XXXX of 2019. I submitted all required documentation and nothing happened. LoanCare simply let that modification request lapse. 

My second attempt to resolve this matter with them began on XX/XX/XXXX and submitted ALL required documents, for review on XX/XX/XXXX. I WAS able to confirm that the documents were uploaded on XX/XX/XXXX, but they were unclear as to which documents were actually recieved/missing. 

Since then, I have not been able to get a straight answer from them on any question that I have, whatsoever. I have contacted them over a dozen times in the last 30 days - all to no avail. 

I need your assistance in getting them to formally engage me and conduct a thorough and legal review of my request for modification. My ex caused a very serious financial issue with me, which is my reason for falling behind in the first place. That issue has been resolved, I have more than enough income to support returning to making my payments and I'm simply trying to do the right thing. 

Please assist! 

Thank you so much..

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
have a DIRECT EXPRESS card for deposit of my Social Security checks. In XX/XX/2019, I was CHARGED {$140.00} for a TOOTH WHITENNG KIT that I never ordered nor received. I was given a tracking # by Direct Express to check with local post office and they concurred that a package had been delivered to me back in XXXX, 2019 and left on porch in rocking chair. I NEVER received the package they are referring to. I am XXXX years old and rely on XXXX. just to pay my monthly expenses. I would never have ordered such an outrageous item! I complained to Direct Express and they gave me a " temporary '' credit while they investigated, only to rescind that credit 10 days later! I have been fighting this charge since XXXX to no avail. This week I received a letter from Direct Express stating " we are pleased to inform you that our investigation has concluded and your case is now closed. The {$140.00} " provisional '' credit dated XX/XX/2019 will remain as a PERMANENT credit on your card account. no such credit appeared on my card and my balance is {$.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
No matter how hard I try, they continue to report these inaccurate accounts on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
This company calls me 6 times or more a day. I informed them in XXXX, that I had lost my job and I would call them back when I start work again and get my finances back on track. They dont care they have been calling non stop. They have made it harder for my recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Approximately 3 weeks ago, I received a replacement credit card from XXXX XXXX XXXX   Mastercard. Since then, I have called the 877 number on the card several times and spent significant time in the hold queue. When I did get to a live person, I was told that I would have to go to the website to have my questions answered. 

When I visited the website, I found that I would have to create a login ID and password. Since these questions were of a personal nature, I knew that the website would be unable to provide answers and refused to register. 

Upon receiving the card, the page the card was attached to stated, This card replaces your existing card. Please destroy your old card, as it is no longer valid. On the card itself, it states that I have been a member since 2012. 

Since this is my replacement card for XXXX XXXX XXXX Mastercard Where is my original XXXX XXXX XXXX Mastercard as I never had received this card under the listed or any account number? 
How could I have been a member since 2012, having never been issued XXXX XXXX XXXX Mastercard before? 
If a XXXX XXXX XXXX Mastercard was issued to me, where was it mailed to? 
Was the XXXX XXXX XXXX Mastercard ever used? 
Who used the XXXX XXXX XXXX Mastercard? 
What credit bureau do you report this to as I have never seen it listed on any of the 3 major bureaus? 
How is the XXXX XXXX XXXX Mastercard listed on my credit report? 
What account number is the XXXX XXXX XXXX Mastercard reported under? 
Why was the XXXX XXXX XXXX Mastercard sent to me when I never requested it? 
The literature with the XXXXXXXX XXXX XXXX Mastercard indicates that it can be used at Sears and XXXX. Is the XXXX XXXX XXXX Mastercard affiliated with Sears? 
If affiliated with Sears, is my Sears card still valid? 

At any rate, I did not request this card and do not want it. 
Please cancel the XXXX XXXX XXXX Mastercard and have the credit bureau note as the reason Unsolicited card canceled by consumer. 
Provide written confirmation that the XXXX XXXX XXXX Mastercard has been cancelled and the reason listed as above as well as responding to the specific questions above.

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I froze my credit with Equifax on XX/XX/17, but today when I went to unfreeze it, I had to jump through many hoops, only to find out it was NOT FROZEN. I asked why, what happened, who did this and the guy with really bad English had no clue. What is going on with Equifax? How can they unfreeze my account without my permission and the PIN number? What other shady things are going on? Please investigate this and hold them responsible. I can't be the only person they are doing this to - this is outrageous! 

I am attaching the original pdf they sent me with the notice of my credit being frozen and the PIN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I charged {$44.00} and {$14.00} at XXXX XXXX. the first of XXXX, I noticed the two unidentified charge one for {$100.00} at XXXX and one for {$100.00} at XXXX. I immediately contacted American Express and reported the activity. That contact was XX/XX/XXXX, or later. I was told that they identified it as fraud and 30 days they will correct my account. They removed the {$100.00} from XXXX, but not XXXX. They also replaced my credit card. on XX/XX/XXXX, I noticed that the XXXX {$100.00} charge was on my and and I contacted American Express. On XX/XX/XXXX, they credited my account with the {$100.00} from XXXX. On XX/XX/XXXX, American Express reapplied the XXXX charge and indicated that XXXX provide an unsigned receipt to show prove that the purchase was made, despite the fact that while the charge was being made, I was at home on the phone with American Express reporting it. Every month since this charge I contacted American Express and on XX/XX/XXXX, XXXX indicated that after looking at the charge, they mislabeled it as a dispute and not a fraud and she will fix it in 30 days. She provided me with a ref : # XXXX. On XX/XX/XXXX, I spoke with American Express Fraud Rep. XXXX and she told me that they will not be able to help clear up there mistake.

Company response to consumer: Closed with explanation