vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I XXXX XXXX had a mortgage loan with Selene Finance, LP., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX Identified as Loan # XXXX, for property located at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I sold the house and closed on XX/XX/XXXX. Selene Finance provided a pay-off letter to the closing agent, XXXX XXXX, XXXX in XXXX, XXXX, on XX/XX/XXXX at XXXX XXXX reflecting a pay-off balance of {$240000.00}. on the same day, on or about XXXX XXXX I made a payment in the amount of {$2100.00}. However, the payment was never credited to the pay-off balance and the pay-off letter was never updated. The closing statement reflects a payment made to Selene Finance for the full pay-off balance in the amount of {$240000.00}. When I made my last mortgage payment on XX/XX/XXXX, the statement reflected a pay-off balance in the amount of {$240000.00}. 

I contacted Selene Finance and requested a full refund of the last payment made in the amount of {$2100.00} since the payment was made after the pay-off letter was provided and was never credited to the pay-off balance. I also submitted a request in writing to Selene Finance, but I have been ignored and Selene Finance Refuses to send me the overpayment. 

By way of this complaint I am asking the Consumers Finance Bureu to assist me in recouperating my overpayment in the amount of {$2100.00}, plus the insurance reimbursement made by the homeowners insurance company. 

Additionally, Selene Finance, always charged more escrow that was required and never refunded any excess payments made on the account during the term of the loan. 

I could be contacted by email at XXXX or XXXX. XXXX XXXX, XXXX, XXXX XXXX or on my cellular phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
The car was used when I purchased it, on the same day I got the car I took it to my insurance agency to add insurance, the car wouldn't crank back up. Had to end up calling XXXX, explaining to them that I just purchased a car the same day and it want crank and the dealership said that they can't help me that they aren't going to get the car in and fix it, which they called a ( lemon car ), long story short when I got off the phone with XXXX XXXX of XXXX which said that they had to get that car within 24 hours, they came got the car and fixed it enough for me to get it back home and drive it for bout another month, which at the time I told them to come get it, they refused, eventually they came and pick the car up and put it on my credit two times, and they still calling after I keep telling them they sold me a lemon car, I register for do not call in XX/XX/XXXX, and their still calling all month long every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

I have never lived or been associated with these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : The Bureaus Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : 01 XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : 01 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX/XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open:XXXX Balance : XXXX and XXXX Account Type : Credit card

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 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I HAVE MADE PAYMENTS TO 2 PORTFOLIO RECOVERY ACCOUNTS EVEN THOUGH THEY WERE NOT MINE. I WAS TOLD THAT IF I PAID THE ACCOUNTS THEY COULD BE REMOVED FROM MY CREDIT REPORTS WHICH WAS CLEARLY INACCURATE INFORMATION. I HAVE DISPUTED THE ACCOUNTS AND SENT 611 LETTERS TO HAVE THE ACCOUNTS REMOVED BECAUSE THEY WERE NEVER MY ACCOUNTS. MY PERSONAL INFORMATION HAS BEEN STOLEN ON SEVERAL OCCASIONS. THEY SENT A LETTER SAYING THEY ARE VERIFYING IT'S MY DEBT BUT IT ISN'T AND EVEN AFTER IT BEING PAID THEY STILL REFUSED TO REMOVE IT. I HAVE REPORTED FRAUD ON MY ACCOUNT BUT THE SITUATION STILL HASNT BEEN RESOLVED. I EVEN OWNED UP TO THE DEBT IN AN EFFORT TO GET IT REMOVED ALL TO NO AVAIL. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: TX

Complaint narrative:
CRA violation no knowledge of fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: GA

Complaint narrative:
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX onXX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX  and XXXX Account Type : Credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: GA

Complaint narrative:
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX and XXXX Account Type : Credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I CAN NOT CURRENTLY WORKING DUE TO XXXX WHICH I HAVE BEEN FACING FOR OVER 3 YEARS. ALL STUDENT LOANS SHOULD HAVE BEEN DISCHRAGED THROUGH NELNET AS I HAVE ALREADY COMPLETED MY 3 YEAR WAITING PERIOD. THERE ARE STILL NEGATIVE STUDENT LOANS REPORTING ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed with with the company in XX/XX/XXXX. The companies received my disputes according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks on my credit history have made it impossible to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I have three credit cards with USAA. I have closed the accounts and destroyed the cards. They are charging me an exorbitant APR> I contacted them today to get the account numbers so I can transfer the balances to another company with a much lower APR. USAA refuses to provide me with the complete account numbers so that I may transfer these balances.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
There was a vehicle purchased back in XX/XX/XXXX from a dealership and being that at the moment my grandfather didn't have credit my information was used as the account holder and my grandfather was the co-signer on property in question. My grandfather became sick back in XX/XX/XXXX and I was taking care of the payments for him until XX/XX/XXXX he passed away. I did call and speak with an Santander Customer service rep and I informed her of what had taken place. Maybe about a month after the vehicle was repossessed. According to the Fla Statute 537.012 I wasn't  informed on where I could retrieve the items out of the property, nor did I receive a written notice about the sale/auction of the vehicle if I wanted to get it for myself now that the co-signer had been deceased. After, the property was sold at an auction I was notified with a written notice until it showed up on my credit report. I tried disputing this with the company numerous times with no success. They are negatively reporting almost every month updating new late payments when I haven't had possession of the property in question since XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this information straighten because it is hurting my credit. The individuals that work at this company doesn't care about anything and are quite rude when spoke to upon the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed with the company XX/XX/XXXX. The company received by disputed according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals obtained credit in my name without my authorization. Those negative remarks on my credit history has made it impossible to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
THE VEHICLE IN QUESTION WAS A LEMON TO START. IT NEEDED A MOTOR AND A TRANSMISSION WITHIN THE FIRST 6 MONTHS OF BEING SOLD. IT WAS A JOINT SIGNATURE WHICH I DISCHARGED TO MY HUSBAND DURING THE DIVORCE. I DON'T HAVE ANY CURRENT INFORMATION ON MY EX HUBAND. I HAVE BEEN SUED IN REGARDS TO THIS LEMON OF A TRUCK AND HAD MULTIPLE THREATS AND NOW THEY REFUSE TO TAKE IT OFF MY CREDIT REPORT AS WELL, IF I HAD KNOWN THE LEMON LAW AT THE TIME I WOULD HAVE FILED A LAWSUIT AGAINST THEM. I HAVE NOT WORKED IN OVER 3 YEARS DUE TO XXXX AND THEY REFUSE TO TRY TO ASSIST ME ON THIS DEBT THAT IS ALMOST 8 YEARS OLD.

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 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I disputed with the company and the company received my information according to certified mail.I have yet to receive the information has actually been verified. I have filed a report with the FTC regarding my information being compromised. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks have made it impossible to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I never heard for this place prior to it showing up on my credit report in XX/XX/XXXX. I wrote them two letters XX/XX/XXXX and XX/XX/XXXX ( i have copies of the letters and priority class mail receipts ) asking them to validate this XXXX  debt that theyve reported to the credit bureaus or have it deleted. It was removed from my credit report around late XX/XX/XXXX. Then added back on my report XX/XX/XXXX ; I still have yet to receive any type of validation or any attempt to collect the amount they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
I have requested a signed legal document between myself and the said lender collection agency, Collins Asset Group, this is my second attempt requesting a contract to validate my signature and agreement with the collection agency, as they continue to send ask me for my personal information to follow through with their investigation, they also forwarded me documents from the said lender, but not their agency. At this time I am requesting to file a cease and dismiss of collection from the said agency as they have failed to provide supporting documents by and between their agency and myself.

1st contact dated : XX/XX/XXXX 2nd contact dated : XX/XX/XXXX collection amount {$8100.00}, opened XX/XX/XXXX without my agreement nor signature. Collins Asset Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MLB Residential Lending, LLC
State: FL

Complaint narrative:
This is XXXX XXXX and I'm a XXXX XXXX XXXX FROM XXXX XXXX XXXX. I'm submitting a complaint of behave of my client ( THE BUYER name XXXX XXXX XXXX  ). My client put an offer on XXXX XXXX XXXX XXXX FL XXXX and he had under contract by XX/XX/XXXX. My client was prequalified for FHA loan. The lender asked for the conditions the bank needed to approve the loan. My client sent them in time. My client paid for the home inspection, appraisal and 4 hours online course to qualified for a government program. The lender agent ( XXXX XXXX MLB RESIDENTIAL LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  cell XXXX, Office XXXX, Fax XXXX and email XXXX  ) didn't try to help my client as he supposed to do. According to lender the bank denied my client and he had to submit another application to an investor. The new investor was out of state and it took a week to response every time that we sent a document to approve to my client. Lender ask for documents that my client already sent all the time. I had to issue the first extension on XX/XX/XXXX due to the delay in this process. Seller agreed to sign it. Lender ask for two more weeks to finalize the loan. After two weeks of waiting on the investor, the loan was approved. The lender asked for another extension XX/XX/XXXX. The seller agreed to sign it, but stated that she won't sign another extension. According to the lender, the investor wasn't responding on time. My client, the seller, the listing agent and myself were upset with the way the lender handled this loan. Seller didn't want to cancel, but she feel sorry for the buyer. It wasn't his fault. No to mention that I tried to contact the corporate office and they were worst than the local office. I was transferred to XXXX  ( XXXX ) who is the manager for that area of the country. He lied to me all the time and ignored all my phone calls and texts. I couldn't update my client through the corporate office. I believe my client deserve a better treatment and respect and myself as agent representing the real estate industries. I let the lender know that the seller would wait until Tuesday XX/XX/XXXX to submit a cancellation of the contract and my update was ignored. Seller cancelled on Wednesday XX/XX/XXXX and the lender texted the listing agent to inform her that all the conditions were met. Meaning with that we would have needed another week to wait for the clear to close. My client signed two disclosure statement that weren't accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: VA

Complaint narrative:
Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017

Company response to consumer: Closed with explanation