vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
CFPB, TransUnion is in direct violation of my rights under the FCRA. I recently informed TransUnion on XX/XX/2018 of an account that is being reported by a company that did not prove legal ownership of the account that is said to be owed to them ( attachment A ). XXXX XXXX XXXX is reporting account number XXXX as an unpaid collection. I do not owe this company anything! TransUnion states that they have verified the account belongs to me ( attachment B ), but did not verify that the reporting agency legally owns the account that they are reporting. TransUnion has not provided me with ANY supporting documentation such as a purchase agreement or bill of sale for this account that would assure me that this account is now owned by them. TransUnion never provided me with an original contract bearing my signature either. TransUnion can not place the burden of proving accuracy on the reporting agency as it is their job to investigate my dispute and obtain appropriate documentation to prove the debt is valid and is rightfully owned by the reporting agency. TransUnion suggests to reach out to the reporting agency when it is their job to prove accurate furnishing of my file. This account is not owned by this company as they have not proven legal ownership, therefore, I owe them nothing and they can not report anything on my credit report.

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 2018-07-29 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I sent a dispute to XXXX stating Capital One re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from XXXX   stating that Capital One has verified the information to be accurate. This is a problem on two fronts. Capital One has re-aged the account, and XXXX   hasn't actually made an investigation themselves. XXXX sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. XXXX is not reading their own document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have initiated disputes with Equifax involving several accounts on my credit report that are 1. Not mine and 2. don't even have an agency name. There are 4 collections showing on my credit report that do not have a name or contact address. I've attached the credit report and on page 11 you will see collections for the amounts of {$64.00}, {$64.00}, {$100.00}, & {$100.00}. Also I've disputed a XXXX credit card account that is not mine and Equifax is the only bureau it is reporting on. After disputing I noticed it is still on my credit report. Nothing has been sent to me and I have not received a notice from them or credit report. My family is trying to purchase a new home and these accounts are holding us back. I've uploaded as much documentation as possible. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MI

Complaint narrative:
Vanderbilt Mortgage and Finance Inc will not remove the PMI from my house payment. The law is clear. at 78 percent they have to remove it. 
The orginial loan was for XXXX. 
the original contract date was XX/XX/2013 outstanding balance is Principal Balance {$120000.00} i have email them asking them to remove the PMI They say it is only at 80 percent. Not according to the precentage I have. it is currently at 78 percent not the 80percent they claim. 78 percent of XXXX is XXXX if you take the XXXX from the orginial amount of XXXX that equals XXXX. 
the only reason they are trying to not remove the pmi is because it benfits them. AND vanderbilt keeps all of that money {$90.00} a month then sends it to federal at the end of the year. I have not been behind my mortgage I am current, and never been 30 days late. They dont have a solid reason not to remove it. 
They sent me a letter telling me that I had to have a appraisal. The law is clear at 78 percent they have to remove it ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a dispute to TransUnion stating XXXX XXXX re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from TransUnion stating that XXXX XXXX has verified the information to be accurate. This is a problem on two fronts. XXXX XXXX has re-aged the account, and TransUnion hasn't actually made an investigation themselves. TransUnion sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. TransUnion is not reading their own document.

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 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called and spoke with TransUnion Friday and told them I must have been a victim of the inquiry issue they had I have over 70 unknown inquiries on my report and they would not remove them

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 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit Card Capitol one refuses to reimburse me, even though I have done everything in my power to fix the problem they have created for me, cheating me out of money I need. 


I have contacted this company multiple times starting months ago. I am being charge LATE FEES every month since XX/XX/XXXX. I had set up minimum auto payments on this account when I opened it up late XX/XX/XXXX. 
I have emails and statements proving these facts. 

XX/XX/XXXX statement summary - {$25.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE These up charged have caused a very negative effect and I have been forced to pay MORE as a result. 

The manager I spoke to said there was nothing I could do and he couldn't help me. 

Please help! Not sure what I can do and I am being taken advantage of by this company!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX i visited a CVS store and transferred via MoneyGram {$1100.00} to my father who is currently living in XXXX. I payed {$22.00} in fees and the transaction was money in minutes. The total amount was : {$1100.00}. Unfortunately, my father tried several times to withdraw the money but in vain. MoneyGram did not release it. 

Until today, my father is still waiting for the funds i sent him. When i called MoneyGram on XX/XX/XXXX, the customer service representative by the name of XXXX told me that they have just released the money i transferred 2 days ago. He was unable to explain to me why that happened.He also declined my request to speak to a supervisor.I informed him that the money was needed A.S.A.P for my sick mother who must pay first to get seen at a doctor 's clinic. 

Unfortunately MoneyGram claimed that i could get my money in minutes. That is clearly stated on the reciept i got from them. That is not true and i need to be compensated for the damage done. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I APPLIED FOR A US BANK SECURED CREDIT CARD ON XX/XX/XXXX AT A LOCAL BRANCH THE BANKER HELPED FILLING OUT THE APPLICATION AND PROCESSING A CASHIERS CHECK FUNDED BY MY CHECKING ACCOUNT AT US BANK. I COMPLETED THE PROCESS. 

XX/XX/XXXX THE ACCOUNT SHOWS UP ON MY CREDIT REPORT BUT I DID NOT RECEIVE MY CREDIT CARD IN MAIL YET UNTIL XX/XX/XXXX WITH A AVAILABLE CREDIT OF {$470.00} THEY HAD DEDUCTED THE {$29.00} ANNUAL FEE, I WENT AHEAD AND USED THE CARD SUCCESSFULLY SEVERAL TIMES BETWEEN XX/XX/XXXX THRU XX/XX/XXXX. MY ACCOUNT WAS FORCEFULLY CLOSED LESS THAN 1 MONTH OF RECEIVING THE CC I REQUESTED A REASON NO REASON WAS GIVEN OR ATTEMPTED TO ATTEND TO MY CONCERNS. 

I WILL NOT BE RECEIVING A REFUND OF {$29.00} FOR ANNUAL FEE I HAVE ALSO INCURRED A {$27.00} fee + {$2.00} interest for a late payment that was due XX/XX/XXXX WHEN I HAD PREVIOUSLY CALLED AND CONFIRMED THAT THE {$49.00} DUE ON THE CARD WILL BE DEDUCTED FROM MY SECURED DEPOSIT AND THE REMAINING BALANCE RETURNED TO ME IMMEDIATELY THAT WAS NOT THE CASE INSTEAD US BANK CHARGED A LATE FEE AND INTEREST FEE ON A CLOSED ACCOUNT AFTER THE FACT THAT IT WAS SUPPOSE TO BE REVIEWED BY XX/XX/XXXX AND MADE A CHECK OUT FOR THE REMAINDER BALANCED OWED TO ME LIKE I WAS TOLD. 

THE ACCOUNT NOW HAS A BALANCE OF {$0.00} AVAILABLE CREDIT AND XXXX BALANCE. 

MY CHECKING ACCOUNTS WERE ALSO CLOSED.

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 2018-07-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I requested a copy of my card member agreement for my account with XXXX to be mailed to me and XXXX denied me this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
i would like to know why diversified consultants thinks they have the right without my permission to share and resell the debt they marked as fraud in their systems and my last complaint against their company got them to delete it from my credit report and from their systems but yet they think they have the right to resell my personal information to XXXX XXXX after after they confirmed the account was fraud? how the XXXX can your company do that? please explain because i am leaning toward you violated the fair debt collection practices act the account was for a XXXX account i have no clue about and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EMORY ENTERPRISES, LLC
State: TX

Complaint narrative:
I already did a recent dispute on the non-payment of a fraudulent charge placed on my report. The FCRA commented upon the completion of the dispute in which the charges are still in effect on the account. The original creditor, XXXX XXXX, claims I owe {$300.00} placed by the XXXX XXXX XXXX for a trash fee that was accurate info due to the fact there was no trash left in the apartment and the was not the stated charge reason. The original charge stated by the creditor was said to be a {$150.00} for a absent written notice of ending the lease where the original creditor threatened to place that amount on my credit report. I've sent supporting documents to XXXX   already showing the fraudulent charge and would like further investigation on the charge filed on XX/XX/2017 from the XXXX XXXX XXXX account that was intentionally placed there to damage my credit as said so. A good result would be if I could please just get this removed off my report Thank you for your time.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I fell 3 years behind in payments due to severe XXXX injury & hospitalization from the XXXX war while on XXXX XXXX in the XXXX XXXX. 

I paid only XXXX for the home in XX/XX/2007. This date and the original purchase amount is also reflected on ALL of the original financial documents ( deed, etc ). 
M & T bank took over the loan and literally ADDED each and every payment ( plus interest ) that I fell behind on to the XXXX original purchase price. They, as a result, fraudulently ballooned the Home loan to almost {$590000.00}! 

M & T bank then put my payments from XXXX/month to almost $ XXXX/month and literally erased all 8 years of equity ( on time payments ) that I made on the loan. 

M & T bank then claimed that I must sign the agreement to pay almost $ 4000/month or face absolute & certain foreclosure. 

M & T bank ALSO INCREASED the number of years to pay the loan back to 30 years! 

I could not keep up with these payments and M & T filed foreclosure. This is fraudulent predatory lending. 

The length of the 30 year loan should have been extended by only 3 years in order to keep the monthly note the same, $ XXXX/month. The 8 years of equity ( 8 years of house note payments ) should be credited towards this loan in full. The original purchase price of XXXX for this Home should not have been changed.

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 2018-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I attempted to pay in full my debt from an old apartment that I had left and did not receive a final bill, because the office personal gave me a wrong move out date, a month prior to the actual move out time. I later saw the debt showed up on my credit report without any bill received to date from the Apartment complex. Multiple attempts to pay this debt in full have proved futile. The manager of Pro Collect refused the money order of the full amount on XX/XX/XXXX, and also XX/XX/XXXX. When I hand delivered on both occasion the full amount of XXXX on a money order, he refused the amount and threated me stating, " I am calling Fountains of wood meadow right now and tell them not to accept the payment from you ''. I tried to explain to him that I never got a bill from the apartment people, and I don't think it is fair to me, hence the money order was drafted in The Apartment complex name. The Debt Collector at Pro Collect, went on further to state, '' by the way you have owed this debt too long, and I wont make any money off it '' He refused the money order of the {$570.00}, told me I needed to pay him. I further explained I needed to obtain a home, and because of this I have been rejected multiple times. Currently they have been re-aging the account on my credit report. The date reflected currently is XX/XX/XXXX, when the debt was incurred XX/XX/XXXX, 4 years ago. I had to notify Pro Collect not to Contact me, due to the enormous phone call volume in the past.

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 2018-07-29 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: CORELOGIC INC
State: CA

Complaint narrative:
the creditor access my credit report multiple times without my approval.

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 2018-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have repeatedly requested in written Qualified Written Requests to SPS, in telephone conversations with SPS, in telephone conversations with the abustmans office of SPS, in letters to XXXX XXXX, and in copies of the Qualified written requests to SPS legal representatives, and even in the CFPB complaint system numerous times the following information that has repeatedly been promised but never provided : 1. Accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX which includes all payment information, fees, interest, escrow information and payments for the loan and the complete loan accounting history and loan balance history and transfer and assignment information. 
2. TOTAL escrow accounting information from XX/XX/XXXX loan origination thru XX/XX/XXXX. 
3. Accounting information and all history concerning trial modifications and any payments and credits for them and also the verification of any loan modification alledged balances and accounting. 
The above information has NEVER been provided. Althought SPS and the previous servicer, XXXX  XXXX XXXX, provided history of payment records during their servicing of the loan they have both responded that they have no previous loan records from the XX/XX/XXXX loan origination timeframe thru XX/XX/XXXX and can not therefore provide it. BUT they then claim that they have satisfied the request for the information and close out the request over and over without providing the information and creating confusion and an illusion that they have complied with the requirement for the information. 
I submitted a request again for this information in this forum again ( along with a written QWR ) and provided several copies of the prior QWR reflecting just the most recent requests for the information and cited that they again responded that they had provided the information previously. In that complaint I also provided the attachments of the actual documents that had been provided to clarify and show clearly that they had not actually provided all the document. SPS promised to " work '' on getting the information but they did not provide attachments showing that they had provided even the data that they claimed they were sending besides the above required information. 
SPS has provided a certified document in court from a representative of XXXX XXXX  that certifies they have reviewed all accounting on the loan and deem the amount they claim is owed as accurate. HOW CAN THEY legally certify that information if they do not have all the accounting and escrow information along with the other trial and modifications accounting? XXXX XXXX  claims to have none of the account information in the past 2 weeks and has referred me to SPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: TX

Complaint narrative:
My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: NC

Complaint narrative:
I have called several times and left messages but no return calls. Was not notified about this debt and not sure if mine.

Company response to consumer: Closed with explanation