vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX  XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXX  XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXX  XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX 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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
My credit is Frozen because of an OPM data breach in 2015. I called TransUnion and attempted to get a copy of my credit report and update errors I had seen earlier. After, about 20 minutes on the phone I was told there was not enough information in my file to verify me so I would have to do it in writing. I went online and tried to access my report after collecting a lot of my information I was told I would have to call in. I called the toll free annual credit report number and they mailed me a copy which verify my concerns of errors in my report. The generic letter and copy of my report gives me no method in correcting my report but to go online and this site. TransUnion has made it impossible for me to correct my report because I don't use credit and haven't it seems be a sort of punishment ...

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 2018-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX XXXXXXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXXXXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency XXXX XXXX XXXX company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXXXXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX 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 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I sent Diversified Consultants a letter requesting validation on a debt that is appearing on my credit report. On XX/XX/2018 I received a 3 page response that has a two page bill from XXXX XXXX XXXX dated XX/XX/2018XX/XX/XXXXfor {$640.00} along with a letter from a Diversified Consultants that is dated XX/XX/2018. A bill is not a proper validation of debt and they are not genoriginal owners of the said debt. They also were not able to provide validation of the debt. Attached are the actual documents that were sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OR

Complaint narrative:
I applied for a mortgage through a broker by the name of XXXX XXXX. We were referred to Cardinal Financial for the mortgage processing. We repeatedly submitted the information requested by Cardinal Financial by the deadline for the closing, only to be told that they needed additional information which they did not previously request. This went on for about 2 months delaying our closing and requiring that we spend an additional {$1600.00} above the original estimated cost. We repeatedly asked if there were additional documents that needed to be submitted and were told " no '', only to come back and ask for additional documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX *CHAPTER XXXX BK DISCHARGED AUTO LOAN DEBT AS EXEMPT " SANTANDER AUTO LOAN BALANCE OF {$22000.00} UPSIDE DOWN DEBT FOR XXXX XXXX XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX FOR {$17000.00} WAS DISCHARGED '' XX/XX/XXXX *SANTANDER SENT ME " NOTICE OF INTENT TO ACCELERATE AND REQUIREMENT OF STRICT COMPLIANCE '' LETTER ADVISING DEFAULT OF CONTRACT STATING LATE ON MAKING PAYMENTS DEMANDING PAST DUE AMOUNT OF {$2700.00} BY XX/XX/XXXX -- MY ATTORNEY ADVISED ME SAME DAY TO DISREGARD THE LETTER BECAUSE IT VIOLATES BANKRUPTCY DISCHARGE LAWS XX/XX/XXXX *XX/XX/XXXX XXXX XXXX WAS STOLEN FROM MY DRIVEWAY, IN THE MIDDLE OF THE NIGHT, BY AUTO REPOSSESSORS HIRED BY SANTANDER.. MY SON HAD DRIVEN HOME FROM COLLEGE THAT WEEKEND ON EMERGENCY MEDICAL LEAVE FROM UNIVERSITY OF XXXX WITH ALL OF HIS BELONGINGS STILL PACKED IN HIS TRUCK, WHEN WE WOKE UP THAT SUNDAY MORNING TO FIND EVERYTHING GONE -- MY ATTORNEY ADVISED ME SAME DAY, THATS NOT LEGAL, BUT NOTHING WE CAN DO NOW XX/XX/XXXX *LETTER FROM SANTANDER STATES DECLINED FOR VEHICLE LOAN DUE TO " PREVIOUS REPOSSESSION '' XX/XX/XXXX *DECLINED AUTO LOAN BY XXXX XXXX, SANTANDER AFFILIATE XX/XX/XXXX *CREDIT INQUIRY FROM SANTANDER AUTO DECLINED APPLICATION FOR AUTO LOAN XX/XX/XXXX *OFFICIAL DOCUMENT LENDER PRE-APPROVAL FROM GOVERNMENT APPROVED LOAN TO ASSIST WITH AUTO LOAN QUALIFIED BY SPECIAL LENDING FROM BANKRUPTCY DISCHARGE DIVISION WITH XXXX DOWN PAYMENT ONLY NEEDING COPY OF TDL WITH PROOF OF INCOME DECLINED BY SANTANDER AS THE SPECIAL BANKRUPTCY DISCHARGE LENDER IT'S BEEN THREE YEARS AND FIVE MONTHS SINCE BANKRUPTCY DISCHARGE AND I STILL CAN NOT OBTAIN AN AUTO LOAN DUE TO SANTANDER FLAGGING ME TO ALL OTHER LENDERS AS A REPOSSESSION AFTER BK DISCHARGE WITH AN ATTEMPT TO COLLECT DISCHARGED DEBT ON VEHICLE THEY TOOK WITHOUT LEGAL COMPLIANCE TO BK RULES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Recently, I was reviewing my credit report and saw a new entry from a company named IC Systems. According to the information submitted by IC Systems on my credit report the account was opened in XX/XX/2018. This information is false. Additionally the amount due of {$370.00} that was placed on the credit reported is not valid. Both The Fair Debt Collection Act and The Fair Credit Reporting Act was violated.by inaccurately reporting that I owe IC System and XXXX XXXX {$370.00} without giving me ( 30 ) thirty days to dispute the validity of the debt allowed by law.

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 2018-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Beginning XX/XX/XXXXof this year my house payment was increased nearly {$1000.00} per month ; from what I am being told it was due to escrow shortages from a property tax increase. I have spent the past two months attempting to obtain a partial release to sell off a portion of my property to compensate for the property tax increase that I will not be able to continue paying much longer. I was initially told that it would take 30 days to process, then told 60 days, then 120 days, and now that they do not know how long it will take. I have requested a number of times to speak with the special loans dept to clarify and to find out if they need anything else from me, but I keep being told that I can not speak to anyone in that dept and that I would receive a packet in the mail. I have not received anything in the mail and it has been months. I spoke to the loan guaranteerer about my situation and he said to speak to the escrow dept of my servicer to spread out the negative equity while I await the partial release. I called loancare ( the servicer ) and again was told that I can not speak to anyone in that dept and to write an email. I sent the email request and have had no follow-up from loancare. I have never been late on a payment and am working hard to maintain my end of this contract, but a near {$1000.00} month increase in my payment is ridiculous. I can not seem to get any assistance from loancare to help resolve this issue.

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 2018-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Friday XX/XX/XXXX I was using my First Visa Bank Of America and I was told it's declined, Same my Second Visa Bank Of America Card, and than My Master Card Bank of America. I contact the Bank and I was told all three account were closed because I'm Risk Factor. I had my Credit card since XX/XX/XXXXand never even once I was late for payment and never had a balance because I paid my balance on line as soon I make a Purchase.

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled my Equifax report and found a ton of hard inquiries that I did not authorize. It is damaging my credit. These are the inquiries that I have never had any type of credit with. 
XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and Transworld Systems Inc. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for XXXX XXXX. I refused, I don't own them anything the bill The Transworld System Inc. treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the XXXX XXXX XXXX XXXX XXXX. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP  trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WELLS FARGO late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

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 2018-09-10 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:
I have tried fixing this with Transunion a few times and it doesn't seem to be fixed. I am a victim of Identity theft. I have not ever signed up for any Subscriptions to any clubs. I do not authorize XXXX XXXX to view my credit reports in anyway nor XXXX XXXX. They appear on my report under promotional inquiries and Club subscriptions, along with XXXX data on behalf of XXXX  and XXXX on behalf of rise. Please do not allow these companies to review my reports soft inquiries or not. I do not authorize XXXX nor XXXX XXXX to review my credit reports either these appear as soft inquiries. Additionally you allowed a Hard inquiry from XXXX XXXX `` XXXX '' to appear on my credit report. I did not authorize this please delete this hard inquiry. Thank you for taking the time to work and resolve the fraud that has occurred.

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I had what Associated Bank refers to as a Credit Builder account. Which was essentially a CD I paid monthly that they reported as a secured loan on my credit report. This account was opened in XX/XX/XXXX with a term of 24 months. 

In XX/XX/XXXX I made an early final payment in the amount of {$340.00}, which paid off the account six months early. As of today, XX/XX/XXXX, Associated Bank continues to report this account 's current status as 30-days past due on my XXXX  and TransUnion credit reports. After disputing this with the bank, they advised that that payment for XX/XX/XXXX was late ( also in dispute ). Regardless if XXXX 's payment was 30-days late, my pre-payment for the remaining balance immediately brought the account current. Which is why the account is now closed. It has been reported as " currently past due '' for over three months now. Please note for clarification that I am not referring to the tradeline 's monthly payment history. I am referring to the " Current payment status '' of the account on both above mentioned reports which should reflect it's current status. 

I have attached three files to support this complaint : 1. Screen shot of this account on my XXXX  report ( file labeled respectively ).

2. Screen shot of this account on my TransUnion report ( file labeled respectively ).

3. Copy of email from Associated Bank confirming final payment ( file labeled respectively. Note that date the email was sent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked my transunion report and found multiple hard inquiries that I did not authorize and are hurting my credit score. These are the hard inquiries. 
XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am a consumer with us bank and their policy states that they do electronic messages and agreements state Your authorization and consent to such agreement to such an agreement or your delivery EX ( " EMAIL TO ACTIVATE MY VISA DEBT CARD '' ) Delivery of instructions may be made by certain numbers codes ex ( activating debit card ) ex XXXX that is the code marks signs ( pin ) public or private keys or other means acceptable to you and to us establish your identity which i did when opening and acceptance of electronic communications like email the policy states identity which means that my email which is a valid email and authentic email which is true my email with my account is valid and authentic that all communications go to me even though it spelled differently but it goes to me and as a true fact banks are allowing consumers to activate via text and email but the account number is ONLY FOUR NUMBERS NOT FULL Ex account number XXXX sent by XXXX XXXX XXXX and with a code to activate card ex number XXXX ( code ) Please note that is NOT A REAL CARD NUMBER BUT ITS JUST AN EXAMPLE that banks are doing I am very dissatisfied with us bank not allowing me to use my email to activate my card even though my email is valid which states in the terms on page 34

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This account was from XXXX/XXXX. In XX/XX/2018 I spoke with XXXX about this account, paid it in full, and they recalled it from collections. XXXX advised that the account would be removed if it was being reported. The representative did not know who the collection agency was or if it was being reported during the call. I have written to Convergent Resources and have not heard a response in over 30-days. I have disputed this with the credit agencies and Convergent Resources continues to falsely report 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