vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On   XX/XX/16     I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the   XXXX   of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

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 2017-05-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On   XX/XX/16  I lo gged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX     XXXX  I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On  XX/XX/16    I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX   XXXX   I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score  on all 3 reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.

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 2017-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX  I  called transunion to dispute a collection account on my report from   XXXX   XXXX   XXXX    XX/XX/XXXX . I have no contract with this agency and have requested previously via mail twice for proof of physical verification they used to verify the debt from Transunion and have not received any as of yet. In the meantime I have also requested physical verification from the collection company and informed them that they have no surety bond in the state of   Texas   making it illegal to attempt to collect any debt from me.  XXXX   XXXX   XXXX  who is operating out of the state of  Texas  has no active surety bond in the state of  Texas  where I have resided since  XX/XX/XXXX  making it illegal for them to do business in the state. According to Texas  Finance Code Section 392.101  requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. I was told by the representative that I spoke with that that was not a reason I could dispute the debt, but that I could dispute it due to erroneous information I have tried to settle this by disputing through the mail twice and making the call tonight to transunion to no avail. I am looking for this debt to be removed from my report because the debt collector is out of state and does not maintain an active bond in the state of  Texas  and is adversely affecting my credit profile. They have also not provided the method of verification of debt that I have signed with   XXXX    XXXX   XXXX   XXXX  any contract or owe   XXXX    XXXX   XXXX   XXXX  any debt.

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 2017-05-24 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: TX

Complaint narrative:
XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: OH

Complaint narrative:
I am receiving no less th an 3 to 4 calls a day from PMAB, who  claim that I owe money for a hospital bill form 4 years ago, that has been paid. I have even sent them a copy of the paid bill, and a copy of the deletion letter they sent to me and the credit bureaus to remove the old debt form my reports. NO DICE. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 've   had this ongoing issue with Macy 's regarding my account, when Macy 's switched accounts to Citi from their previous servicer my credit account did not transfer over to their new system and all the while I had no access to my account and neither did I know any payments were due, as everytime I logged into the account the profile showed blank and I assumed there was no payments due. This was not the case and due to this error Macys ended up marking me late.
I have chronologized Macy 's online systems   mistakes with pictures in the attached word 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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
Protas, Spivok and Collins ( PSC ) works for debt collectors, s uch as  XXXX   XXXX  and  XXXX    XXXX   to unethically garnish wages and collect on debts already paid. See online complaints :   XXXX   XXXX    XXXX  Report : #  XXXX  and   XXXX   XXXX    XXXX  Report : #  XXXX  Mine is yet another case of  Protas, Spivok and Collins going after a debt already paid. I paid my debt ( for a credit card ) i n   XX/XX/XXXX .  It is now 13 years later,  XX/XX/XXXX . I have documentation that the debt was paid. PSC is not willing to accept it. They put a court order through to garnish my wages at 25 %. I created a motion to vacate judgment ... but it takes time. The garnishment will begin before the case can be heard. I contacted my bank to see if I could get an old bank statement or cancelled check, but banks keep their records for 7 years only. They can not go back further than this . PSC knows this ; it is a part of their strategy. Many people shred records after 7-10 years. PSC knows this and counts on this as well. Others who have complained said that PSC came after them 13 years after they paid a debt, just like me. PSC also charges interest on all the supposed years the debt was not paid, so my debt, just like the others who have complained is 3 times the amount of the original debt that was ALREADY PAID. Protas, Spivok and Collins are extortionists and need to be stopped. Too many people 's lives and wages  are being drained and damaged by their unethical debt collection practices years after records are destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: AL

Complaint narrative:
I was consolidated without my knowledge into some consolidation program that doesnt offer public service forgiven  ess.
Now I am trying to reach the Department of Education to credit for all those years I paid under the consolidation and they are refusing.
I have been paying for his loans for 20 years and if he needs the forgiveness I need to start all over with another 120 payme  nts in order to get the forgiveness. As a veteran of the  XXXX   XXXX  I would expe ct our government to treat me with the same respect and service I have given them..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: MORGAN STANLEY & CO. LLC
State: AZ

Complaint narrative:
Account #  XXXX  ; reported late payments  XXXX   XXXX . We applied for a loan modification on a property we owned. We were told that they would only grant a modification on a loan that was 90 days in default before they would even talk to us. We allowed the mortgage to go the 90 days and were then told that if we made any payments, it might restart the calendar, so we deposited the mortgage payments into a savings account so we could settle the account at the end of the process. In the meantime, their collection department called on a regular basis, threatening foreclosure. We told them we were applying for a loan modification, but they refused to verify this with the loan modification department. The collection department sent the loan into foreclosure while the loan modification was still in process. We paid the default amounts, legal and court fees and THEN got an offer of a loan modification. The terms of the modification were actually WORSE than the original loan, so we turned down the loan modification. We feel that Saxon Mortgage acted in bad faith during the transaction. We followed their instructions and they reported us as being delinquent. We only followed their instructions for getting a loan modification. We had the money to pay during the application and they took a whole year to offer a loan modification with terms worse than the original note, which we chose to reinstate. We feel they acted in bad faith and then damage our credit for following their instructions.

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 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX / XXXX / XXXX  I requested when I could remove my PMI off my loan that stated  XXXX / XXXX / XXXX  and they wrote back stating I could not remove until  XXXX . My loan states after 5 years and 78 % of balance then the PMI can be removed.      Wells Fargo  mislead me in a letter stating I could not remove my PMI until  XXXX / XXXX / XXXX . It should state 5 years after my loan. The date should be  XXXX / XXXX / XXXX  and if I can get my blance to 78 % of loan.      Wells Fago st atement date  XXXX / XXXX / XXXX  Loan number  XXXX  Property address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Best regards,  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 explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On  XXXX  a contract  was made with  XXXX  management to rent an apartment between myself and two other people. One y ear later the contract was renewed on  XXXX   XXXX  with a new company that took over the apartments named  XXXX   XXXX   XXXX   XXXX . with myself and  two new other room mates. One of my ro om mates decided to leave in  XXXX    XXXX   but continued to pay until end of  XXXX    XXXX   but during that month he states he will not be returning to  XXXX  and will be staying in  XXXX . As of  XXXX  and  XXXX    XXXX   I asked the personnel if I could get a smaller apartment by myself within their apartments since other room mate had left out of town and would probably not be returning and my other room mate lost his job. Front office personnel stated they had to sign a form to release me from the contract, which room mate refused to sign and they could n't move me. On  XXXX   XXXX  I found another apartment with another company due to not having any more room mates and company not cooperating. During the middle of  XXXX    XXXX   the apartment keys were given back and company immediately begun renovation for new awaiting tenants for  XXXX ,   XXXX  . Rent was paid in full for  XXXX  while company was renovating. I am sent to collections shortly after without receiving a bill, notice or explanation of what is owed on  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XXXX   XXXX   XXXX  is a victim of mortgage fraud by and through the   XXXX   XXXX   XXXX    a nd  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   or an agent thereof, has committed, to include but not limited to the following criminal offenses of identity theft, forgery and fraud against,  XXXX , the state of Georgia, and    XXXX    County,  by cr afting, creating and forging, a fictitious loan security deed & note. Unbeknownst to  XXXX , her mortgage was transferred and thereby illegally stealing her ownership of the deed of the property, located at  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . I have the utmost confidence that our investigations team will prove all of the elements of an insider s Financial Fraud for  profit scheme that plagued  America i n recent past.     A criminal report of the alleged crimes are in the process of being investigated by  XXXX  Police Department Case #  XXXX . A Fraud Report has been reported to The  Georgia  Department  of Banking and Finance an d also with the  District Attorneys Office hav ing jurisdiction where the property is located. Additional complaints and report of Financial mortgage fraud are pending as of the date of this most recent CFPB complaint.     In conclusion, the alleged Trustee,   XXXX   XXXX   XXXX   XXXX   XXXX  , AS TRUSTEE FOR THE CERTIFICATE HOLDER OF   XXXX  IN. , ALTERNATIVE LOAN TRUST  XXXX , MORTGAGE PASS-THROUGH CERTIFICATES, SERIES  XXXX   XXXX   XXXX  -  XXXX ,   XXXX   XXXX    XXXX  NY  XXXX  is also fictitiously created. Bayview in its letter dated     XX/XX/XXXX    , provided a contact # for the alleged Trustee as (  XXXX  ). This number is actually for the promotional department of the  XXXX   XXXX  not the alleged Trustee . (  Case law is attached to show proof that ) please see attachments identified as (   XXXX  -AS-TRUSTEE-vs.- XXXX -Pages-from-the-AFFIDAVIT-OF- XXXX .pdf ) No interest can be transfered if  XXXX   XXXX   XXXX   XXXX  nor  XXXX  dba  XXXX   XXXX   XXXX   XXXX  nev er had  any interest to transfer in the said property because it was NEVER a corporation in  NEW YORK as   indicated o n the Security Note  and Deed. Because,   XXXX   XXXX   XXXX   XXXX   has been proven to NOT be a corporation, incoporated in the state o f New York, Th e alleged lender was never licensed or registered to do business as a mortgage lender or broker offering residential loans in the state of Georgia, in   XX/XX/XXXX .  Therefore,  XXXX   XXXX   XXXX   XXXX ,  XXXX  nor   XXXX   XXXX   XXXX  , can not prove any legitimately conceivable interest that could be assign to any said such  Trustee    XXXX   XXXX   XXXX   XXXX   XXXX  , as decided as a matter of  XXXX   XXXX  ( See attachment titled District Courts of Appeals .... )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: GA

Complaint narrative:
CREDCO INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.

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