vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under the FCRA, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original credit or documentation. 

Since they can not provide proof of verification to me in the form of a physical contract document, per my request, then the account is considered " unverified '' and under the FCRA all unverified accounts must be deleted. 

Section 609, Page 35. The bureaus are required to disclose to me exactly what documents are stored within their computer base that were used to verify the information that is being reported about me. 

Page 37 ( 2 ) ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from my file unless the information is outdated under section 605 OR CAN NOT BE VERIFIED. 

Basically, I have requested twice for the account to be " properly verified '' and as of today the only thing the reporting agency can say to me is that it has been verified electronically through EOSCAR system. That is in violation of Section 609 of the Fair Credit Reporting Act. 

This is my complaint and that is why I need your help to get XXXX Account # XXXX DELETED from my credit file. 

Enclosed please find papers relating to this complaint. 
Sincerely, 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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.

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 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: TX

Complaint narrative:
Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. Experian said they are investigating the other XXXX would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially two bankruptcies that I never finished going through the court system for. I provided paperwork to XXXX showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an Experian Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

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 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. 

ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. 

Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. 

Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I submitted a complaint to CFPB in reference to a loan with Bank of America N.A . ( BANA ) case # XXXX. In their final response to me they referred me to the XXXX case no. XXXX XXXX and told me to contact the class administrator or their web site. I tried the web site and it was closed. I contacted the class administrator and they told me the case was closed and I would have to contact the bank for everything. I did learn that BANA had told the court in this case that BANA had deliberately quit sending Form XXXX from XXXX on, but that they would hence forth provide the Form XXXX when legally required to do so. Their was also a CFPB Bulletin issued in XXXX that restates the mortgagor 's responsiblities. I am asking BANA for the corrected copies of the XXXX Form XXXX that is owed to me. I was never provided with either a copy of the Notice or Claim Form that was supposed to be provided for me in the above mentioned case. Becasue I need the form to do an amended return of my taxes it is essential that the bank provide me with this form. Also BANA provided me with a Form XXXX that was incorrect in XXXX. BANA included deferred interest, that had never been reported to me as interest or to the IRS as income, in the princiapl amount of the loan in box XXXX of the form XXXX. Virginia foreclosure law requires the mortgagor to return any money over the principal amount if the value of the property is more than the foreclosed principal amount. BANA did not do this in adddition to adding the interest to the principal illegally. During XXXX I received three letters from the CEO 's office of BANA stating in violation of their agreement with the court and violating the CFPB Bulletin rules, that deferred interest is principal and does not have to be reported as interest. BANA provided corrected Form XXXX for mortgagees that were still being serviced be BANA but not for mortgagees that had been foreclosed on or the loans that had been sold or transferred to other banks or XXXX and 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 2017-03-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had XXXX high balances on XXXX Bank of America credit cards. I paid the balance in full on both credit cards. The following month I received a bill for each with additional interest. Obama 's credit card act of 2010 prohibits double-cycle billing.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Debt was paid at the end of XX/XX/XXXX because I got XXXX in XX/XX/XXXX. My mother paid for that bill inFULL. I got a bill for collections for medical {$730.00}. I have a private doctor and XXXX and XXXX which COVERS ALL hospital and medical procedures will attach a COPY. tHE LAST XXXX BILL WAS OPENED IN XX/XX/XXXX, and the other one was open XX/XX/XXXX. I have had XXXX SINCE I GOT OUT XX/XX/XXXX until present. ACCORDING TO COLLECTIONS AND PAPERWORK WILL SHOW THAT i WAS XXXX AT THAT TIME AND IT IS IMPossible for me to apply for a phone in XXXX!!!!! ... Please investigate and any information needed please feel free to email me or call me XXXX, The XXXX debts are illegeitmate and the one debt for XXXX for XXXX opened on XX/XX/XXXX was PAID IN FULL. PLEASE CONTACT T-MOBILE and ask them why my account was open when i was it was paid in full and the other claim I was XXXX for 7 months more after the account was open ; and who authorized this transaction of opening another line on my name wihile me being XXXX in unsafe and strictly unprofessional. If these debts are not erased I WIll contact a lawyer if proof given today is not enough, the last image is the imei number which can tell you where the phone is and when it was used last. Please look into that as it will clear me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I want to file a complaint to report how paying off my mortgage with XXXX has damaged my credit report. I had two offers of payment rejected. The first was an offer of total payment of {$14000.00} in two checks ( 1 ) was check # XXXX for {$12000.00} & ck # XXXX for {$1500.00}. dated XX/XX/XXXX.This offer was rejected by Green Tree XXXX 
A second payment was tendered to Green Tree cashiers check dated XX/XX/XXXX in amount of {$17000.00}. Was mailed return receipt. This offer was rejected. Attorney XXXX of XXXX., XXXX FL XXXX handled negotiations and is holding the check. It has been since XX/XX/XXXX and this lingers on my credit report. I have copies of check if you need confirmation. 3 years later I pay my taxes and insurance while my loan continues to be sold to different mortgage companys constantly selling the loan. XXXX sold to Green Tree who sold to DiTech and etc. 
This damage to my credit after paying loan off continues to linger on my credit and needs resolved so I file this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Risecredit, LLC
State: TX

Complaint narrative:
my credit was ran in order to obtain a loan however there was an issue with my documents and they had to be manually inputted and someone would contact me with a decision this lasted a couple of weeks causing my application to expire so in effect my credit was ran for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Loan is was closed and is still listed as a home equity and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: CA

Complaint narrative:
I have called both department of education and the federal loans agency pertaining to appropriate forms and options. 
I found out I had to apply for public forgiveness and income driven repayment ( XXXX payment ). I have filled out these forms both hardcopy and electronic. I faxed the hardcopy to the number provided on the form itself and the electronic side was additional documents that did get confirmed ( received ). 
I call a few days later to make sure everything went through and they claim they did not receive any forms to process. I submitted the forms over XXXX times. they are not flexible and continue to charge me despite my attempts to resolving and managing my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PlusFour, Inc
State: NV

Complaint narrative:
I wrote a certified letter with return receipt requested to Plusfour, Inc requesting that they send me any document to indicate that I obtain service at XXXX in the amount of {$420.00}. The return receipt indicate a receipt on XX/XX/2016. Upon this complaint, I have not received any reply and as a result, this inaccurate information is on my credit report and has caused me to be denied loans causing financial difficulties. I have complied with notifying the appropriate collection company ( Plusfour , Inc. ) with this inaccurate debt and they have failed to respond within the allotted time and without providing any due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank Reversed my dispute 3 times and debited my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/XXXX 2013 and XX/XX/XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had fraud on my business account debit card.With in 4 days I had 2 Airline tickets purchased from XXXX. I reported them to Navy Federal Credit Union ( My bank ) but they are not believing me and this has caused my bills not to be paid because the account went overdrawn by this fraud and my bills got returned and in returned I get charged for the returned fees which cost me a lot of money for each of this bill. The most annoying is how they bounce my bills back when I had enough money in my account for my bills the previous day but they honor a fraud that was not even pending on my account.The shocking part was they adjusted my account transaction showing as if I transferred the money after the fraud happen and bills get bounced back. 
I am so angry, I have been trying to contact them but they are not helpful at all. I even let them know I will be contacting financial ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I had a delinquent debt with XXXX. My account is now with LVNV, Resurgent, XXXX- these are all it 's name. My problem is not that I owe the money. My problem is that I do not have sufficient enough information to pay the bill online. I received a letter on XX/XX/XXXX. I called today to receive another letter in the mail to confirm that they still have my account. The CSR was polite and said they would send out another letter. The problem is that the CSR gave me another number for my account ID and another account number. I was told that these were the correct numbers. I went to the website to see about making a payment and the website tells me that these numbers are not valid. The account number and account ID numbers are not correct on the letter from XX/XX/XXXX either. I do not understand how I am supposed to pay this bill, when I can not access it online. I keep receiving incorrect information. The company has reported me as of XX/XX/XXXX. My credit score has taken a serious blow. It dropped from XXXX to XXXX. I really want to fix this problem and my credit score. Please help me or direct me to someone who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: AmeriFirst Financial Corporation
State: IL

Complaint narrative:
We have applied for a rehab purchase loan FHA XXXX FHA CASE # XXXX is the name, AmeriFirst Bank XXXX # XXXX and my loan officer is XXXX XXXX XXXX XXXX # XXXX and his assistant XXXX XXXX XXXX XXXX # XXXX, the loan that we are doing with them has become a night mare the contractor that XXXX and XXXX provided his work does not pass the City of XXXX XXXX XXXX in Illinois the inspector name is XXXX XXXX XXXX, CBO Assistant Director, City of XXXX XXXX. The inspection has not passed 3 times there are safety issue so the work can not continue, the contractor already was paid the 1st time and on the second draw we decided not to allow payment as the work is not completed by code. We have spoken with XXXX and XXXX and they keep stating that the contractor is fine and FHA Consultant so we have called the FHA consultant XXXX XXXX contact # XXXX that is our inspector and XXXX XXXX XXXX another inspector to please check the work that was being completed and both agree it is wrong and needs to be corrected. So when we asked for the bank to have the contractor correct the work he declines and states it is done correct and he went and placed a lien on the title of the home. So know we are asking for the bank to allow us to seek a new contractor and they are giving us a hard time. While this has been going on back and fourth for about 8 months and we are know where closer resolving this matter. I was then referred to a loan officer that was nice enough to explain and direct us to the CFPB to place a complaint and open an investigation as to why you can not obtain another contractor and why the back wants me to only work with this contractor that will not do right by the work he is to be paid to complete. The contractor name is XXXX XXXX contact XXXX, name of company XXXX. We have placed several complaints with the Illinois Department of Financial and Professional Regulation Division of Real Estate on said date XXXX/XXXX/2016 and XXXX/XXXX/2016. We are asking for help as we are living in a unsafe home with our children we have no choice. Please contact me on my cell XXXX XXXX cell XXXX and XXXX XXXX cell 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 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I am doing a short sale for a client and the mortgage company, Bayview Loan Servicing gave us an approval in XX/XX/2016, but now refusing to honor that approval, so we can close. They have told me several times that the short sale was approved, but when I asked for the renewed approval letter, they keep lying to me. Their intention is not to process the short sale, but to foreclose. They now renege on their agreement in the past to the value.

Company response to consumer: Closed with explanation