vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft and I have XXXX fraudulent collection accounts that is on my trans union credit report. I filed a police report and submitted to the company as I was told to do once I found out about these accounts. I was told once they received the police report that the accounts would be deleted off of my credit report. I sent in my police report and then I called to check to see of they got it, now the supervisor is telling me the only thing they can do is redispute the account. The company are not sending documentation that these accounts are mine, they are only verifying through an electronic data which has my information. NO signed contract no agreement that these accounts are mine not anything. They are not holding up their end of the agreement and I am being accused of something I did not do.

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 2017-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Mortgage back security, there is no such beast, IT IS EITHER OR, AND NON DISCLOSURE, XXXX is now liable for holding a forged instrument, ACTING AS FRUADSTERS PIRATING MY TRUST AS WELL AS XXXX AND XXXX.. I have no contract with XXXX, XXXX nor US BANK, XXXX, OR XXXX, nor do they have one with me, I XXXX any way spelled, withdraw any signatures that has fraud and forgery INSTSRUMENT, as XXXX ( XXXX. AND XXXX.. EVERYTIME ANYONE ACTS UPON THIS FRAUD WILL HAVE ACRUED CHARGES OF XXXX AND WARRANTS APPLIED THAT MAILS ME OR ANYONE ELSE AT MY ADDRESS TRICKING SCHEME INTO A CONTRACT, AS IN MY TRUST OR LEGACY TRUST OF ANYONE IN MY FAMILY, AND NOT TO HAVE FRAUSTER REAL ESTATE TASK FORCE OR HIRED MERCINARIES COME AGAINST ANYONE TO FORCEABLY ENTER OR CLAIM, YOUR ACTIONS ARE A CONSTITUTIONAL, RESTORED REPUBLIC UNDER DONALD TRUMP OR SUCCESSOR. YOUR FORIEGN PIRATES AND ACTING UPON UNLAWFUL LAWS OF THE LAND. cfpb IS NOT A CONTRACT BUT TO FACILITATE THE FRAUD PERPATRATED UPON THE PEOPLE. USING COMMERCIAL PAPER ON HOMES IS UNLAWFUL AND NOW YOU ARE LIABLE WITH ALL OTHERS TOP TO BOTTOM. MR. TRUMP HAS BEEN NOTIFIED AS OTHERS. I SUGGEST YOU BEEN BOW OUT OF THE TRUSTEE POSITION AND XXXX CLAIMING A TRUSTEE POSITION AT THE SAME TIME, AS WELL AS THE XXXX TRUSTEE FRAUDSTER POSTITION AND NOW IN HIDING. SAME WITH THE ATTORNEY. ALL HAS BEEN DEFRAUDED FROM THE VERY FIRST FRAUD REAL ESTATE CONTRACT, HOMES AND LAND ARE NOT ... .. AGENTS ARE PRINCIPLE FRAUDSTERS AND SO YOUR YOU WITH YOUR FIAT AND PAPER, NOW YOU WILL HAVE TO SHOW A TITLE TRAIL AND PROOF THE SELLER OF MY PROPERTY HAS BEEN PAID OR GO AWAY AND REMOVE THE FRAUD LIEN, THE XXXX TOOK ALL LIENS AND YOUR FAKE LAWS OUT XXXX, AND YOU CONTINUE IN THIS SCAMING THE PEOPLE. AGENT TO PRINCIPLE, PRINCIPLE TO AGENT NOTICE, I HAVE CLAIMED MY LAND AND HOME AND PERSONAL EFFECTS, AND HAVE A NOTICE OF DEFAULT UPON CHARGES AGAINST YOU NOW. ANYTHING THEREAFTER IS XXXX. XXXXYou can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and 1122 AB Material Violation XXXX Transfers and servicing of financial assets - XX/XX/2016 - Sale of mortgage servicing rights with a subservicing ... 
Regulation AB mortgages, installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortGage Violates 1122 AB under the SEC once you divest your collateral its gone, bye bye so what are they foreclosing on? 
THERE IS NO MORTGAGE!!! BONDS ARE SLAVERY AND WAS ABOLISHED! 
XXXX AND XXXX FRAUD UPON THE PEOPLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I tried to close my IRA Account with Union Bank because I am unhappy with their service. 
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC
State: NJ

Complaint narrative:
This account was paid directly to XXXX, under a separate account and bill was sent to my home directly.i was told by XXXX that I could n't put XXXX in my home unless I made payments on the outstanding cell phone bill so for months I paid XXXX XXXX bills to satisfy this debt. I have called XXXX and pinnacle the company who has account and have gotten no where. I need this off my credit report as I do n't owe it. 
Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AES/PHEAA
State: CA

Complaint narrative:
A representative from American Education Services ( AES ) contacted me regarding terms of my student loan, During the conversation he asked if i wanted to have him set up auto pay. I said yes. He set up wrong amount by about 5 dollars a month. I wrongly trusted AES employee acted correctly. Unbeknownst to me though I was paying every month, on time, but not the full amount ; In turn they reported it every month to the Credit Bureaus as late continuing up to 180 days late every month! 
This went on for quite a while because their correspondence seemed like attempts or options for me to pay increased amount on principal. Eventually, when I checked my credit report I noticed many the derogatory charges. I contacted AES, explained the situation and corrected their mistake. I took ALL steps to reimburse them fairly. Currently I am paying more than required amount. However ... ... 
When I asked them to amend my credit report they said they do NOT do complimentary credit report changes. Period. I acted in good faith and remain in good standing with my loan terms. I do not believe they did. 
******This is affecting my ability to buy a house*******. What other recourse do I have? 
I am a XXXX and Military XXXX as well. This kind of company practice should not be put on us who have done everything we can to protect and serve our country and its citizens. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
Prosper Market Place INC sold account to another vendor, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Agency of Credit Control
State: CO

Complaint narrative:
In XX/XX/XXXX I was contacted by Agency of Credit Control Inc in XXXX, CO stating that I had an outstanding medical debt from XX/XX/XXXX. At that time I told them that I believed the debt to be invalid and requested a writing notice of the debt so that I could check it against my records. I was never sent a validation notice nor a notice of right to dispute, though I continued to request this every single time I spoke with them on the phone over the last four months. 
Since it has been four months and i still have not received a validation notice nor a written notice of right to dispute, I have since contacted my doctor, who also stated they believe the debt to be invalid, and they are researching to provide me with documentation to that fact. I called Agency of Credit Control Inc with this information and they refused to listen ( I also asked for the documentation again and still have not received it ). 
Today, I received a call from one of their employees saying he was at my place of employment to talk to me. I told them ( again, as I had on a previous phone call ) that they are not allowed to contact me at work. I also just received notice from my roommate ( as I am currently out of town ) that this collections company sent someone to my home. 
Also, they have lied and said they did send the notices and/or did not have accurate contact information. I know this to be false as they have now today sent someone physically to my home. This is evidence that they do have my mailing address and there is absolutely no excuse for Agency of Credit Control Inc not to have sent a written validation notice of the debt or a notice of right to dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you! 


Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part. 

Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX. 

Thank you for your help. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I sign up for Citigold Checking account with XXXX thank you bonus points. It was supposed to post on my account on XX/XX/XXXX my bonus. Its already XX/XX/XXXX, I been trying to resolved this problem with them through email for the last 4 months. Can you please help me resolved this issue. I feel like they do n't want to honor there promotional offer to there customers. Thank you very much.

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 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
Volkswagon bought back my XXXX due to the emission scandal on XX/XX/2017 and I was told that they would be paying off my loan to the VW Finance Division within 5 days and that I would be receiving a check for {$1200.00} within 3 days from the buyback appointment. As of today, XX/XX/2017 the check has still not been issued to VW Finance and I gave them the physical address when I called them last week to find out the status and I also asked for a letter stating that I am no longer in possession of the vehicle and needed something stating that the loan has been taken over by VW or i have a XXXX balance so that I can purchase another vehicle and refinance my house. They have told me that they could n't do this and that I need to continue making payments on a vehicle that they have had for almost 3 weeks. The class action lawsuit states that they should have paid off the loan within 5 days of the buyback appointment. According to the representative I am speaking with right now as I file this complaint, there still has not been a checked issued to VW Finance and again I did provide them the physical address for VW Finance. I 've called the claims number over 20 times for other issues pertaining to the VW Scandal and they have been unable to solve the issue. I am currently speaking to XXXX a supervisor in the XXXX claims center. She stated that she did n't have an employee number that i could have and just refer to her as a supervisor in XXXX claims center. So far 35 minutes in my phone call nothing has been accomplished regarding the issues but I learned how to be more patient when been tossed around on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
there was a debt placed on my credit report that they are unable to show I actually owe I requested documents that I had signed to receive service and equipment. I had spoke with a rep from the collection agency that refused to give me info on the company desiring collection and could not provide any documentation of debt owed. 
I contacted XXXX and spoke to XXXX who then transferred my to XXXX id # XXXX on XX/XX/2017 at XXXX hrs that refused to provide documentation of the debt she then transferred me to rep XXXX # XXXX at XXXX hrs. this rep attempted to find documentation of services but was unable. she stated that she would send it to investigation on their end. I then repeated that I need documents that show my signature that I received equipment and or services.

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 2017-04-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
Long story short, we had our original mortgage with XXXX with a balloon loan that had matured and XXXX would not refinance. They tried to foreclose, so we filed chpt XXXX on the entirety of the balloon balance in XXXX we paid off the XXXX never missed a payment and was discharged completely in XXXX. XXXX XXXX we get a bill from XXXX saying we still owe XXXX. We hire a lawyer and takes a year but XXXX admits their wrongdoing and releases the deed to us. However, in the meantime, they had sold the loan to BSI financial in FL. These people will not deal with us on this matter. We fulfilled our obligation to XXXX mortgage and BSI should never have been involved, but they are because of XXXX. They are now every month filing us late payment on our credit report on a loan that is fraudulent and we do not owe. They are killing our credit rating and they are doing it on purpose, they have all the necessary documentation that shows XXXX was at fault and not us. They are punishing the wrong recipient. I have talked to reps at BSI before and been told they were looking into it, we know what that means, but now they have refused to even speak to us. I will have to pay a lawyer again for something that is not my fault. BSI are blood suckers and are breaking the law by trying to collect a debt that was covered and paid in a chpt. XXXX trying to refinance home improvement loan and ca n't be touched all because of BSI whom we do n't owe a penny to, never did and never will. They went so far as to change our address on our credit report to our lawyer 's address ... how can they do that and how can that be legal. This should have all been resolved in XXXX and still dealing with it 3 years later. This is fraudulent, illegal, and just plain wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: VT

Complaint narrative:
Right now I am currently dealing with Sallie Mae. I am paying interest-only right now due to the fact that I ca n't pay a normal payment ( they want $ XXXX a month ). This is not an option for me when I have a mortgage, car payments, etc. ( normal bills ). Sallie Mae had told me this is only an option for one year. My year is up in XXXX and I have tried to let them in on the fact that I wo n't be able to pay that amount, and have tried to discuss working with me, so I can pay them SOMETHING, and this is NOT an option I was told. The only options I was given from Sallie Mae was to let my loans go into default ( how is this helping me )?! OR apply for deferment ( if I ca n't pay the payment now this wo n't help any later in my life ). I had told them I could continue paying the amount I pay for interest only, so they were being paid SOMETHING, but they had flat out told me NO! If they will go to great lengths of not helping their customers, and would rather fight for their money when it goes into collections why would n't they take ANY money I am willing to give them WITHOUT all the extra charges?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion refused to show me how they verified the collection account XXXX. When I can not get a response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I plan to finance a house and I 'm currently shopping for a mortgage through various lenders. As long as I 'm aware, once my credit report is inquired- I 'm good to shop around for same product and my credit score wo n't be impacted. However, my credit score dropped 7 points after I applied for a loan through my own bank ( Bank of America ). Now if this continues, I wo n't be able to find a fair product in the market and my credit score will drop significantly with each inquiry for a similar loan.

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