vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I was layed-off of my job XX/XX/XXXX and XXXX foreclosed on my first mortgage XX/XX/XXXX. I filed for Chapter XXXX BK on XXXX/XXXX/XXXX. 

The XXXX foreclosure was illegal, and had to be rescinded XX/XX/XXXX. About 3 years into the bankruptcy, my account was transferred to Seterus for servicing. I completed my Chapter XXXX BK plan and received my discharge on XX/XX/XXXX and the BK case was closed on XX/XX/XXXX. 

During the bankruptcy, all 60 mortgage/property tax payments were made on time and in full with Cashier 's Checks that were sent by priority mail with tracking. So I have documented that every single payment was sent and received in full and on time. Seterus agreed on XX/XX/XXXX that I was totally current in their Final Cure response. The BK Judge agreed that I was in full compliance and there should be no fees or late charges - and I got my discharge. 

Since the bankruptcy case, I have sent and documented and tracked all of the 22 payments I have made right up to XX/XX/XXXX. So, I have documented that the last 82 payments were made in full by Cashier 's Checks and received on time for my first mortgage - full contractual compliance. 

There can be no late charges or any other fees, and all I owe is the remaining principal. 

I am now selling my house, and I am in Escrow. I called and tried to get a payoff statement from Seterus, and they told me that they must review my bankruptcy file - and it could take as long as 6 months! 

Escrow is now talking to them, and twice Seterus said they would send the payoff statement to Escrow, but did not do it. For some reason, they are really dragging their feet, and this could obviously put my home sale in jeopardy and cause me great damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I started a dispute online with transunion on XX/XX/XXXXand today XX/XX/XXXX still open status with no update status Ive ask them to look into some facts that where to me not right. 

Some balances that are there that should not be there

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 2018-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
They have contacted members of my family on their cells phones. No idea who they even got those numbers which mean they are paying to use some type of investigative service when they had my number. they should not be calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. 
I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Select Financial Services, Inc.
State: OK

Complaint narrative:
I have lost count as to how many times I have contacted XXXX XXXX with the goal of getting them to do what is required by law with the transfer of a mortgage. But as of this date they are still NOT complying with the legal requirements for transferring a mortgage and therefore I am being forced to take this matter to the next level. 
They have erroneous stated in each of their letters that I am represented or have been represented by the XXXX XXXX XXXX. IN EACH RESPONSE TO THEM I HAVE INFORMED THEM THAT I AM NOT AND NEVER HAVE BEEN REPRESENTED BY THEM AND THERE ARE NO RECORDS TO SUPPORT THAT LIE THEY ARE ESPOUSING! THEREFORE, THEY DO NOT NEED ANY TYPE OF CORRESPONDENCE FROM A FIRM THAT I HAVE NEVER USED! I AM TELLING THEM THERE IS NO CONNECTION AND EITHER THEY ARE INCREDIBLY STUPID OR DO NOT HAVE ANYONE AT THAT COMPANY THAT CAN READ! THERE LIES ABOUT SENDING ALL COMMUNICATION TO THAT FIRM IS ALSO UNLAWFUL! I have STILL NOT LEGALLY been informed concerning this transfer they are stating has taken place. In their last response they FINALLY ADMITTED what I have been telling them in every complaint and even apologized to " the mortgagors for any inconvenience they may have caused ''. BUT, EVEN AFTER ALL THE COMPLAINTS I HAVE FILED AGAINST THEM THEY STILL HAVE NOT COMPLIED WITH THE LEGAL REQUIREMENTS OF TRANSFERRING A MORTGAGE BECAUSE I HAVE NEVER RECEIVED ONE PIECE OF PAPER SENT TO MY RESIDENCE NOTIFYING ME OF ANY CHANGE IN MY MORTGAGE. NOTHING FROM XXXX OR THIS COMPANY SO AS FAR AS I AM CONCERNED LEGALLY, XXXX STILL HAS MY MORTGAGE! IT CAN NOT BE IN FORECLOSURE BECAUSE XXXX IS UNABLE TO FORECLOSE DUE TO THE SUPREME COURT CASE THEY LOST! IF ANYTHING IS DONE BY THIS COMPANY REGARDING MY HOME I INTEND TO SUE THEM IN EVERY COURT POSSIBLE! I EVEN SENT THEM A CERTIFIED LETTER WHICH THEY HAVE COMPLETELY IGNORED! THEY HAVE IGNORED ALL MY CORRESPONDENCE, EVEN THOUGH I HAVE A RECORD OF SENDING, SO OBVIOUSLY ARE TRYING TO CONTINUE ILLEGAL ACTIONS WITHOUT MY KNOWLEDGE! THE LAWS ARE VERY CLEAR REGARDING FORECLOSURE AND THEY HAVE BROKEN THEM ALL!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after Equifax let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My husband and I have been XXXX customers for years, Citibank handles credit card services for XXXX. On our XX/XX/XXXX statement, Citibank closed my card XXXX due to fraudulent charges. They claimed that my card had fraud charges on it when I took a trip to XXXX to see my son. The charges were numerous ranging from {$89.00} to {$95.00}, although they credited our account we were left feeling skeptical. The fraud charges on our statement reflect that they happened during my trip to XXXX. 
So, to avoid further confusion on our account I started paying for my gas with cash. 
Shortly after, I started examining our statements closer and noticed duplicate charges on my husbands card XXXX. I immediately asked my husband if he thought they were correct since this was his card and he had not traveled to XXXX with me, he also added that the charges on his card must not be correct since he did n't frequent the store that often. As an example, some of the charges on his card XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, everyone of these charges were for {$39.00}. 
I immediately called Citibank to dispute these charges, they told me they would send dispute sheets but all we received were sheets for XX/XX/XXXX. 
I have been calling to request the forms since early XX/XX/XXXX, the latest forms they sent were statements of our account instead of dispute forms. And, every time I call they keep transferring me between the Dispute Department to the Security Department and keeping me on hold for a long period of time, plus dropping my calls.

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 2018-01-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Identity thief fraudulent accounts on XXXX XXXX Equifax credit rsports Open accounts XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX amount XXXX dollars Date opened XX/XX/XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX dollars date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX dollars date opened XX/XX/XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX To old to be on my credit report Equifax is still reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My father and aunt had a joint account with Santander Bank that funded a safety deposit box. Both of the people have since passed and I returned the safety deposit box keys.i have also written Santander multiple letters stating the box was closed, the keys were returned and both of the people on the account are dead. not only are they still trying to collect, but they are no billing me for XX/XX/XXXX until XX/XX/XXXX!!! They will NOT STOP trying to bill me for something I rectified and communicated to them YEARS AGO! they are trying to assess a late fee on me too. if they stopped ignoring my letters this would have been done away with two ( 2 ) years ago when I closed the account! I feel harrassed since they ignore my letters and are now trying to charge me with late fees and now billing me for another year when they XXXX well know BOTH ACCOUNT HOLDERS ARE XXXX! XXXX for 7 years and XXXX for 3 years! Come on!!!

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 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed an dispute with Cabelas XX-XX-2017. 
Advised, Cabelas to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Cabelas that they are allotted 30 days to provide disputed results to me. Never received correspondence from Cabelas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
We recently applied to an apartment and got denied stating that I have a landlord debt case or something in XXXX XXXX under Hunter Warfield colletion agency.I searched through public record and I have an open case to an apartment in which I have never ever lived before. Since a XXXX account was opened on that address with my my name. My girlfriend and I paid all that debt in XXXX ( about {$600.00}! ) to have power back on in our own apartment! But now I am got denied to an apartment I applied to because of this?! What can I do to get out of the situation? We are never going to be accepted to any apartment with this. It is an automatic rejection. And we cant get our administration fee and application fee back that is {$340.00}! The fees I pay for this is racking up. I have all the documents needed and I sent it to all parties needed. Please review and I asked them for a proof to show that this has been an error. The apartment I applied to is waiting. I hope you could help me out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
We submitted a loan modification application on XX/XX/2017. The lender said they refuse to open it for review because the file is incomplete and its within 37 days of the scheduled foreclosure sale date. However according to recent changes in in foreclosure & bankruptcy servicing a servicer is required to perform an expedited review if the application is submitted within 37 to 15 days of a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Creditor : Capital One Bank Denied line of credit increase to account holder based on information reported and/or obtained by credit bureau reporting agencies. The information reported has caused an adverse action against me and I have not been provided the identifying agency information of the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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:
Transunion continue to report data in my report from XXXX XXXX XXXX ( a collection agency ) which has been proven to be erroneous information.

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 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On X/XX/18 I called Experian to cancel a credit monitoring service I do not recall signing up for that charges me $ XXXX/month. I only recall accepting free credit monitoring as a result of breaches. When you choose the option in the phone IVR to cancel the wait time, regardless of when you call, is greater than 45 minutes. When you select any other options you are answered instantly. I spoke with someone from one of the other options and I believe they called what I was being charged for " MaxProtect ''. 

My complaint is that Experian is clearly making it difficult to cancel. No option is given to cancel online or any other means other than calling and holding for 1 hour.

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 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, I just sent my money ( {$15000.00} ) to XXXX XXXX XXXX to deposit in my coinbase account to trade digital currency ( X/X/2018 XXXX ) as far as i know the money i sent via XXXX  XXXX supposed to deposit into my coinbase account in 2-3 business days and the money is still not deposited in my coinbase account i guess the coinbase company could n't verify my identity so i would like to my money back but i could n't contact to coinbase company because they use automated answering machine. 
please investigate this case thank you this is the an account i sent bank name : XXXX XXXX XXXX bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Rounting : XXXX Account : XXXX recipient name : Coinbase, Inc recipient address : XXXX XXXX XXXX, # XXXX, XXXX XXXX CA XXXX Reffence : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified that there was a fraudulent charge on my account. I immediately called my bank ( USAA ) and told them this charge was not mine. It was for XXXX XXXX Live tickets in XXXX for over {$1100.00}. When I called them they assured me that it would be taken care of. A few days later they credit my account for the fraudulent amount. On XX/XX/XXXX I was sent an email saying fraud claim denied and that they would be taking that amount back out of my bank. They attached a document, which they call evidence. They say to contact the merchant in XXXX to figure this out or call usaa number. The document showed that the customer, XXXX XXXX, from XXXX XXXX, CT is the purchaser with my card. I do n't know a XXXX XXXX. After some research he is a XXXX year old man. He is not an authorized user, the zip code doesnt match, I did not authorize this. I called USAA and this is where the trouble really starts. After almost 20 calls I keep getting passed to their executive resolution team who says they cant see anything. They tell me they re submit to fraud and to wait another 90 days. I call again after 90 days and explain. Then I get passed to fraud claims. Then back to Executive resolutions who promises to give me a call back within 24 hours. No calls returned. Never spoke to anyone that is actually helping me. They all appologize and say they can do nothing. Today XX/XX/XXXX I called and they are saying that since it 's over 120 days old that there is nothing to do and they have to follow policy. I can never get help and no one will escalate this to someone who can actually help. Now USAA is saying they are closing my account because I havent put in money in it during a certain amount of time. Im not going to put money in my account in fear of my money being taken and stuck in this endless loop with USAA. Furthermore the last person I spoke to said that it was in " charge off '' status but couldnt explain what it was. It sounds like USAA is preparing to put this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation