vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was advised to send this message to you to open a formal complaint concerning violations of VA policies governing the VA loan program by VA venders.

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as XXXX XXXX the current holder of the 40 year fix, XXXX XXXX, and USAA, to refinance the 40 year fix into a VA 15 year fix or 30 years fix I filled out an application with USSA and provided them with my personal information including my social security number. I received a call from USAA stating they where not refinancing veterans conventional loans to a VA guarantee loans. USAA stated they were only refinancing VA loans for veterans who have a VA guarantee loan or veterans who are purchasing for the first time. USAA is currently in violation of the TILA-RRSP because USAA received all 6 pieces of information from  the application. 

USAA representative who identified himself as XXXX / XXXX, stated the VA authorized the Venders to put a moratorium on veterans who were trying to refinance from a conventional loan into a VA guarantee loan USAA may also be in violation because I filed out an application relinquishing my SS number. 

I received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 
I contacted the Department of veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated the USAA was in violation of VA policies and that their action could violate their VA venders status. 
She suggested I contact USAA and conduct a three way conversation with the VA to resolve the issue. I contacted USAA today and spoke to  XXXX XXXX # XXXX she stated her company was investigating my complaint but refused to conduct a conference call or go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello! 
My credit report from XXXX, XXXX, and TransUnion all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.

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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
COLLECTION COMPANIES REPORTING SAME ACCOUNTS 2X ON FILE AND OUTDATED REPORTING INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AR

Complaint narrative:
Remove the inaccurate accounts

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 2020-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company
State: WI

Complaint narrative:
I have tried repeatedly to contact the new " servicer '' for my loan. Long wait times in excess of an hour, then the system just hangs up. Asked for callbacks, they never call. Sent numerous emails, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: AR

Complaint narrative:
Remove the inaccurate accounts

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 2020-09-17 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: AR

Complaint narrative:
Remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
COLLECTION COMPANIES REPORTING SAME ACCOUNTS 2X ON FILE AND OUTDATED REPORTING INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Became XXXX  XXXX in XXXX. 
Filled XXXX forms to relieve debt ( XXXX discharge ). 
Had XXXX  fill out forms and submit. 
Waited the 3 years to confirm XXXX  XXXX. 
Had all student loan debts discharged - except from Greater Lakes Higher Ed. 
Every year since XXXX, had to contact lender and resubmit process. 
Every year debt not discharged, but new collection company contacting about debt. 
Every year explain to collection agency, explain to loan holder, restart process. 
Now been years since debt was discharged and no resolution has occured. 

Total Amt owed : {$410000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported  to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and  collection agency will be appreciated under the current circumstances. 
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 2020-09-17 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX XXXX : XXXX To whom it may concern : On XXXX XXXX, I sent a certified letter to Barclay 's about this account.This certified letter was signed for on XXXX XXXX. This letter advised them that the account was discharged in bankruptcy and that they had illegally sold this account to a collection agency. I called Barclays on XX/XX/2020. Barclays responded by telephone that this account had been sold to a company call Unifund. I contacted XXXX, and was advised by them, that they do not own the the stated account. I have also disputed this account through XXXX   and XXXX, and it comes back as verified and correctly reporting. 

Who owns this account?

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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: AZ

Complaint narrative:
collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ... .never done business with companies

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 2020-09-17 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: TX

Complaint narrative:
Hi This is XXXX XXXX. I have to report against Transunion, I have no payment missed in last 6 years, still Transunion discriminating me and not updating my profile. I have whole credit report and did not show up any missing payments but recently I have applied it shows this Delinquent or derogatory status on accounts is too recent Too many bankcards with high balance compared to credit limit Not enough available credit on revolving accounts Lack of first mortgage account information It is also showing 31 % Credit usage, why delinquent account too recent, XXXX, XXXX does show other issues but never showed delinquent and Transunion keep dropping my score without any warning, I have never missed any payments as XXXX  and XXXX  in last 5 years, why Transunion reporting wrong information to creditors or lenders? in last 6 years never missed any payments, XXXX was in collection but has been removed, no medical bills I owed as I got annual credit reports. TU is keep lowering my score and they have big variations in their score calculations as compared to XXXX  and XXXX. TU is just  discriminating me and informing lenders " DELINQUENT OR DREGATORY STATUS ON ACCOUNT IS TOO RECENT '' Can TU explain where is " TOO RECENT ''? All three bureaus are discriminating people and not reporting correct information. Investigate this matter immediately.

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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of XXXX I went into a Macys store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from Macys for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit  from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from Macys in May..so that clerk apparently added this to the new account and did not charge my card.

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. Macys said they could not talk to them because  the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.

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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX ... .never done business with companies

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GreenSky, LLC
State: MD

Complaint narrative:
After a repeated string of calls over the past few months, especially since COVID. on XX/XX/2020 GreenSky decided to call me 6 times in 4 hours, once 10 minutes apart at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I understand this is a debt I owe and plan on paying when I can get back on my feet, repeated calls aren't the answer and won't get me to pay sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
AD ASTRA RECOVERY SERVICE ( 12 SPEED CASH 16 ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I need to unfreeze my Equifax credit report so that I can apply for a new credit card. For the last XXXX hours, the XXXX website does not work : when I sign in, I get a screen that says " We are temporarily unable to complete this request. '' I got this same response about 10 times over 48 hours. 

When I tried to call Equifax to unfreeze my report, their phone system malfunctions : It asks me to say or enter various data ( phone number, numerical portion of street address, etc. ). The system then fails to properly recognize some digits, whether entered by voice or on the phone 's touchpad. I've tried to use the phone system five times, entering the data both by voice and by touchpad, and I have not succeeded in getting through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
My loan was transferred to this company from XXXX XXXX XXXX  To go from a modern " up to date '' system, to the horrifying experience MyLoanCare is, is probably an understatement. 

Their website constantly has issues in all aspects. Had a 3 month fiasco of trying to submit my home insurance proof to them and they still haven't input it into their system. 
Had trouble paying for the mortgage online using their system as it would have user verification issues. The site looks like it was built in 1991. 

Their customer service is not helpful. In my experience with them, I can only recall one time the customer service representative wasn't rude. Many times was told conflicting information and have been charged late fees because I followed instructions given to be by the representative. 

I really appreciated their forbearance program, as it was crucial in my families survival with minimal income and I'm grateful for that ... but their site wouldn't register that I was on the forbearance plan and kept trying to charge me late fees. It seemed like their ENTIRE System didn't register I was on their forbearance plan because I would constantly receive reminders via E-Mail or Postal Mail saying I should use their forbearance plan. When I would call about being on the forbearance plan, their customer service representatives would tell me I was late on payments and I will receive multiple penalties. 

The latest incident - currently trying to handle - is that when trying to close on my apartment, buy a new home, and close the loan, they won't send the final mortgage amount to my escrow company and I am in a contract to have to pay a fee for every day the escrow company doesn't receive the final loan amount. It's extremely frustrating because they said every time I call about checking the status of this, it RESETS the claim and sets back the process and restarts the clock back to zero. I don't understand how the company is still in business.

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 2020-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
In XXXX of XXXX I went into a XXXX store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from XXXX for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from XXXX in XX/XX/XXXX..so that clerk apparently added this to the new account and did not charge my card. 

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. XXXX said they could not talk to them because the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.

Company response to consumer: Closed with explanation