vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Follow feedback that I was not allowed to post with SPS due to CLOSED STATUS of initial complaint of response dated bellow ....
I will start my feedback by quoting that SPS states in its letter dated XX/XX/XXXX, under the Origination section : In your inquiry, you question several issues relating to the origination of the loan. While SPS services this account on behalf of the Note holder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan.
But SPS is doing just that. By accusing me of being late before I even made my first payment with them. I am not beginning with a " clean or new slate '' but forcibly picking up where XXXX erroneously placed me.
In this same letter SPS states that " I was given an introductory phone call ''. I was not. I called SPS because I looked at the reviews online and knew I better not wait for any information. I THEN CALLED SPS to get my account number to make the first payment and did so.
Lastly, this letter states erroneously that I did not pay my XX/XX/XXXXbill but then stated that my initial payment with them will be used as the XX/XX/XXXX payment.
But SPS did not regard the 3 payments that were made : One on XX/XX/XXXX through XXXX XXXX to XXXX with a fee One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
I am left to believe, as I have eagerly paid SPS without fail that they are intentionally following the same chain of errors as XXXX.
Not only have I INITIATED and followed through with every payment to SPS but have sent these payments to them throught XXXX XXXX by XXXX XXXX and paying all fees associated with the most efficient, direct, and fastest form of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Re : My submission, number XXXX I opened a Time Deposit account with BBVA Compass on XX/XX/XXXX and deposited {$150000.00}. The maturity date was XX/XX/XXXX. According to BBVA Compass Non- Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX, there was no early withdrawal penalty.
OnXX/XX/XXXX, I purchased a new home for my retirement, and withdrew {$120000.00}, and was charged a 3 % early withdrawal penalty of {$3700.00} and additional fees of {$37.00} I was very surprised they charged me a 3 % penalty for an early withdrawal fee even though it was not a provision in the Non-Consumer Time Deposit Agreement and Disclosure Statement dated XX/XX/XXXX.
I made a request for assistance to the Consumer Protection Assistance and Compass for a refund of the early withdrawal fee. However, I was told that I needed to make the original request myself even though I did make the original complaint on this issue.
The address of the bank is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX. I have attached the original Non- Consumer Time Deposit Agreement and Disclosure Statement with Compass Bank , and Time Deposit showing the 3 % early withdrawal that I paid.
Thank you. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax shared my personal identification information ( name, birthdate, social security number ) with an unknown group after they were able to access the information because of subpar electronic security measures. Furthermore, several Equifax executives sold stock in their company after they learned of the hack and withheld this information from the public for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax, the company I had no contact with as a consumer, failed to protect my personal information and put my identity at risk for the rest of my life. They have taken steps to limit my ability to sue them in case my identity is affected or as a part of a class action lawsuit. Three of their top executives between the time of the breach and the public disclosure, sold shares that were not a part of the company 's financial plan. These actions are egregious and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and Capital One reported late payments to the credit bureaus for each of the months the service did not make the payment. Capital One has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. Capital One assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: DISCOVER BANK
State: PR

Complaint narrative:
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this Discover Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
My homeowners insurance is paid from escrow. My lender failed to send payment to right address ( no fault of mine ). The payment was sent back. Lender did not notify me or send any letter out. They simply let my insurance cancel. This was not discovered until XXXX 2017 when a trampoline blew into my house and fence. I found out from XXXX XXXX  when I tried to file a claim. I called rushmore ( my lender ). And they admitted their mistake and said they would make me whole. It should be noted at this time there was no forced policy in place by rushmore. My policy rushmore let lapse was only a XXXX deductible. Under my policy my fence would have been covered. Rushmore sent out an appraisal person. Still it should be noted NO FORCED POLICY BY RUSHMORE. Still assured by rushmore I would be made whole according to the policy they did not pay for me. Finally a forced policy was placed and back dated by rushmore. The policy had a ridiculous XXXX deductible. And would not cover my fence which was cover under my policy they failed to pay or follow up on. So after the fact including appraisal. They got themselves out of paying me anything because of the ridiculous policy they made up. This is fraudulent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
( Equifax breach ) On XXXX XXXX 2017, I was told that my personal information including SSN and address might have been disclosed. This raised a lot of concern regarding my personal information and has seriously disturbed my work and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: Sierra Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX I financed a blackXX/XX/XXXX XXXX XXXX through Sierra Auto Finance InXX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to Sierra Auto Finance so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called Sierra Auto Finance to get my car and pay for repair expense, I spoke with someone named XXXX & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ Sierra Auto Finance ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX  credit report, after I disputed the information it was changed to a charge off with a balance of {$XXXX}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.

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 2017-09-10 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: NE

Complaint narrative:
XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

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 2017-09-10 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: NE

Complaint narrative:
XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My XXXX husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the XXXX settlement. I have attempted several times to contact both the credit bureau and Amazon store card and neither will knowledge 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 explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed by GM Financial, who is a third party debt collector, and not registered with Texas to collect debts in Texas. After filing a lawsuit in state court for theft and conversion of my property, I find out that XXXX XXXX XXXX is using the name of GM Financial to collect its own debts. GM Financial shows on my credit report, and so does XXXX XXXX XXXX. GM Financial paperwork states this is an attempt to collect a debt on its paperwork. On or about XX/XX/XXXX, I tendered two payments to GM Financial and one to pay the vehicle off. One payment was a money order from the XXXX XXXX and one payment was from private sources. On or about the last of XX/XX/XXXXI received a release of lien on my vehicle, and then a copy of the Title was sent later. Approximately two to three months later, my vehicle was repossessed by GM Financial. I received a couple of letters, stating that no payment had been made, and thought it was a mistake. After the vehicle was picked up, I questioned what GM Financial used to repo the vehicle since I had the original title and a lien release letter. I filed in state court a restraining order to stop the sale of my vehicle from the illegal repo. It was at this time I found out that the money orders had a problem. The XXXX XXXX money order was never credited to my account, and checking with the post office, the money order had been cashed. The private source money order had an incorrect number, and I was never made aware of this. By law, GM Financial should have notified me of any defects so that it could have been corrected. The XXXX XXXX money order was never returned, nor the private funds money order. There was no reason for me to know that my vehicle was going to be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX Banco Popular XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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 2017-09-10 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: Innovis
State: PR

Complaint narrative:
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: FL

Complaint narrative:
XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. Transunion and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

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