vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Resources, Inc.
State: PA

Complaint narrative:
We applied for a VA construction loan through our broker ( XXXX XXXXg ) and AFR was the lender. We had an issue with AFR from the beginning when AFR refused to agree on a draw schedule for our builder. The builder says they have never in their 20 years of building experienced this so we naturally were upset and we sent a complaint to AFR regarding the issue asking them to please work with our builder. Then we were days away from closing and AFR decides that they have refused to accept our garage ( built new in 2011 ) as equity. Which the appraiser, broker, and builder all said that in their 20 years of service they had never seen a lender not accept a garage as equity. Also, in the VA Loan Handbook the lender is required to give value for buildings on the property. The lender was made aware of the VA policy but still refused to consider it as equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I currently have three separate loans with XXXX that are in the re-payment period for which I am struggling to view my payment history. My father currently is the primary borrower on the account, however I am allowed to make payments. XXXX has told me ( via their customer service line ) that they can only email me a copy of my payment history within 3-5 business days, or mail me a copy within 7-10 business days. I want to view my payment history to plan out my re-payment time and also re-calculate the accrued interest on the account. The fact that I am allowed to make my payments but not see my payment history is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/2019 intervening plantiffs original petition Ovation Services LLC letter mailed from XXXX XXXX XXXX written letter sent to myself and sent to the district court XXXX judicial district XXXX county texas to honorable judge of said court. Ovation Services and XXXX, XXXX, XXXX, XXXX & XXXX, XXXX attorneys at law are threatening to foreclose on my property for past due taxes paid by Ovation Services LLC. 
my financial situation is considered as underemployed and hardship letter has been faxed to XXXX XXXX XXXX, XXXX district court XXXX county texas, and my mortgage company XXXX XXXX  and finance to explain my underemployment, hardship, and options available for me to modify my loans or provide forbearance or loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019 money was sent to me by my daughter via PayPal for a payment back of a personal loan. The dollar amount was {$1500.00}. I received notice from Pay Pal that such money was received. I went to PayPal site and requested the money be sent to my bank. A message was sent, similar to my daughters that the money would be available within a day. See message from Pay Pal ( email available ), language below. 
We're transferring money to your bank You asked us to transfer {$1500.00} USD to your bank account, and we're processing this transaction now. 

Estimated arrival : 1 business day Transfers made after XXXX XXXX ET or on weekends or holidays take longer. All transfers are subject to review and could be delayed or stopped if we identify an issue. 

Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$1500.00} XXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX ____ I checked on the XX/XX/XXXX and again today the XX/XX/XXXX and no deposit had been made. I then contacted PayPal through customer service Chat. The agent told me that it would be another 3-5 days based on unknown factors. He acknowledged the email clearly stated the one day transfer email which I provided him.

Clearly PayPal is using the consumer money, holding it for time frames to obtain interest earnings on the funds in whatever account they are using at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XXXX XXXX I receive document of Debt Collection of {$37000.00} from Round Point Mortgage on Foreclose house of XXXX XXXX XXXX XXXX, XXXX, Texas.XXXX. 
A Bankruptcy Chapter XXXX  was filed on XX/XX/XXXX and was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. VA Loan # XXXX of XXXX of {$240000.00} was included on bankruptcy and any debts of sale was included. 

My home was foreclosed and sold on XXXX XXXX during a VA Loan Modification process in XXXX, Texas.I was placed homeless with my XXXX XXXX and all my personal property in my home was thrown out on the exterior of the house on the street. 
I wasn't given no restitution of relocation because of my disability. 
Round Point Mortgage Law Firm used their authority and their billion dollar law firm to put me homeless with my Disability. 
I have been Discriminated and Retaliated as a XXXX Military Veteran. 

Why Round Point Mortgage waited after I did my Federal Taxes of XXXX to send me the collection debt of {$37000.00} on XXXX XXXX? 
My Federal Tax has been completed on XX/XX/XXXX prior to this document sent by Round Point Mortgage.. 
I am XXXX XXXX  and XXXX. 
Bankruptcy Chapter case # XXXX Filed at XXXX District of Texas US Federal Bankruptcy Court in XXXX, Texas with former Attorney XXXX XXXX XXXX ... Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
First the " What best describes your problem '' options had nothing remotely close to my situation. I picked one, but it really doesn't come close at all. 

I have two debts in collections with MCM ( Midland Credit Management ). I received a call in XX/XX/2019 from " XXXX '' who wanted to set up a repayment plan. During that phone call, on several occasions, he mentioned that as long as I made payments, they'd report to the credit bureaus that I was making payments ... something that I know is seen as a positive on my credit score. I made a payment arrangement on each of the two accounts, one I was told would pay off the account when the agreement was complete, the other wouldn't. I started making payments as of that day, and have kept up with the agreement every month since. 

I check my credit score regularly, as I am trying to repair several issues, and over the last several months was surprised to see that there was no change to my score and no change in the reported status of these two accounts. So, a week or two ago I called MCM to find out when they'd start the reporting they'd promised. I was informed ( by someone else, I don't know who ) at that point that they do not have any plans to report anything about the debt at all until it is paid in full. It will continue to show as being in open collections until that point. This is absolutely NOT what we had discussed and I am very frustrated by the situation. 

I called again today to be sure I fully understood the situation and was once again told basically, " I'm sorry, I don't know what you were told initially, but we will not be reporting anything except the account being in open collections until the account is paid in full. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
XX/XX/2019 - Negative account added to credit report from Midwest Recovery Systems. I have never heard of this company, nor had any correspondence with them. This is not a debt I owe anyone and is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i have someone else names and another social security number on my credit report. All inquires and negative credit belong to the second social security number. My SS # ends in XXXX and there's another ending in XXXX with names i do not recognize. i have never had a Target card, XXXX card, XXXX or XXXX XXXX. I have never made inquires to any credit unions or car loan places. I have not bought tried to buy or want to buy a car or get a car loan. I have disputed this with the credit bureau several times. it looks like most of the fraud happened in 2013. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
A couple months ago I tried to open a USAA account. A day or two later I tried to access it. I was given a message saying " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I called this number and they tried to help me. The lady at the time was very friendly and assisted me thinking it had to do with my last name, because I have a hyphen. We changed that and I was told to wait a couple days before accessing it again. I did that and had the same error. I wasn't that disturbed because I wasn't in need of a new bank yet. Now that I have PCS 'd I am in dire need of a new bank account. I had just today contacted them again. Now they tell me that I am not eligible to even have an account with USAA ... There explanation was " We are exercising our rights not to do business with you ... '' I am extremely irritated ... They listed numerous possibilities why I could have been banned. Fraud and bankruptcy were a couple of those. I have great credit, no criminal history and never been bankrupt ... No other annotation were left, so the rep couldn't help me out ... They wouldn't allow me to talk to the fraud department and just told me " yeah sorry, we just can't offer you our service any further. '' Would never recommend them to anyone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: MT

Complaint narrative:
I was involved in a workplace accident while working for XXXX XXXX XXXX  in XXXX, Arizona in XX/XX/2013. I spent 2 days in the hospital in XXXX and collected tens of thousands of dollars in medical bills. The Industrial Commission of Arizona ruled in my favor and found my company, XXXX XXXX XXXX, to be at fault for the accident and ruled that they pay my medical bills in their entirety. They paid all of my bills, except {$840.00} for an XXXX service for XXXX I had because of the accident. 

Now, after applying for a mortgage, when my lender ran my credit score, I discovered this outstanding bill that is in collection with an agency called TCS Thunderbird in XXXX, AZ. Their number is XXXX-XXXX-XXXX. Today I spoke with XXXX who is in charge of my bill, and he said that I am now liable because of the amount of time that has passed. He also told me that filing an appeal or dispute was pointless because of the amount of time that has passed.

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 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a Cottonwood Financial dba XXXX XXXX. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at Cottonwood. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I did receive this letter few days ago and nearly paid for the requested amount because my wife got a traffic violation recently. Then I noticed the date and drivers license number which do not match. I did call XX/XX/XXXX to a number written on top of the page, which I found from XXXX County web site. I called from my cell phone at XXXX. I was told that the ticket was issued for someone with birthyear of XX/XX/XXXX. I do have a son born that year, however he has not ever resided in the address with me. I did ask him about it, he can't say for sure if it is for him and he seem to think that he has paid any and all traffic tickets he never received. Makes me worried, did some one steal my ID? If my son did not pay for his ticket, is the skip tracer making costly mistakes? What other information do they have about me? Could they damage my credit? Do they have my sos. sec. number? Should I be worried about my taxes? These are some of the questions I tried to ask on a phone without any success rather than additional questions. I do believe that sending threatening letters to random or wrong people is a violation of the fair debt collection practices act 1977.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a XXXX XXXX dba Regional Financial. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at XXXX. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CA

Complaint narrative:
On XX/XX/2018 - someone stole my identify. After a month or two of rigorous exercises to clear my name with XXXX. I did. XXXX from XXXX worked with me to make sure XXXX was taken off my credit report on the credit bureaus. Equifax ignored their request in XX/XX/XXXX. I contacted XXXX again this year via the XXXX and they reached out to Equifax again in XX/XX/XXXX - to no avail. I've been working with XXXX XXXX from the XXXX in XXXX over the last month - Equifax has been ignoring the XXXX and sending me generic letters staying that I need to followup with the creditor. ( Which I've done multiple times and I've told them multiple times that I have and have proof that the XXXX charge was fraud. ) Nothing seems to stick with Equifax. I called and spoke to a rep at Equifax, the rep literally told me " it doesn't matter if it was fraud or not, it will stay on there for two years. There is nothing you can do. '' I told the XXXX about this conversation and they said nothing. I am beyond frustrated, we're now almost one year later and the hard inquiry still remains on my credit report. I need action and resolution. I believe I am also entitled to compensation for all of my time invested in trying to remove this fraudulent activity from my account. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/19 I requested information from Comenity Capital Bank XXXX XXXX Rewards per the FCRA & FDCPA I exercised my lawful right to question the validity of this debt Comenity Capital Bank   XXXX XXXX XXXX agency claims has come due XXXX. In reviewing my credit file Comenity Capital Bank has reported to the 3 major credit bureaus negative activity. I requested Comenity Capital Bank to provide documentation of this account belonging to me with my original signature ( s ). I requested for Comenity Capital Bank to respond within ( 30-days ). I have the tracking report in which they received the certified letter from USPS on XX/XX/2019. I did not receive what I requested from Comenity Capital Bank, My original request was not been fulfilled by Comenity Capital Bank and has exceeded the timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A charged-off privately-held ( non-government insured ) education loan charged-off trade line is showing an inaccurate Date of First Delinquency on Equifax credit report. The item was already previously disputed directly/via Equifax and furnisher returned 'verified as accurate ' which led to escalating this matter to the Consumer Financial Protection Bureau XXXX This complaint is in regard to the following account : XXXX ( Original lender : XXXX XXXX XXXX XXXX hereafter referred to as XXXX XXXX  XXXX XXXX Box XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX Date of First Delinquency showing on Equifax credit report : XX/XX/XXXX Actual Date of First Delinquency ( date upon which payments were at least XXXX days past due ) : XX/XX/XXXX A complaint was previously filed with Consumer Financial Protection Bureau against XXXX for this account. XXXX responded XX/XX/XXXX admitting that the account became due XX/XX/XXXX and entered repayment. No payments were made, hence XXXX  days from this date would confirm the date of first delinquency actually being XX/XX/XXXX. 

XXXX went on to confirm that they illegally re-aged the debt by changing the Date of First delinquency to the time frame in which my bankruptcy was discharged in XXXX ( see attached evidence, language highlighted XXXX. The Date of First Delinquency lawfully can not be changed when an account is never brought current, hence why it is termed Date of *First* Delinquency. Furthermore, as student loans of any kind can not be included in bankruptcy, the bankruptcy would be irrelevant to this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested information from Experian about my dispute. They have failed to submit proof and verification of my dispute.

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 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed accounts with Transunion on multiple occasions. I have requested that they validate this debt on my credit file. I have sent 3 different dispute rounds and havent received any proper treatment. I have tried to reach out to creditor and they were not able to provide any proof therefore the debt can not be on my credit report. In addition the account balance are mismatched between the different account posing a second error on my report.

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 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
Rushmore my mortgage servicer mailed me a Proprietary Modification saying 1st trial payment due XX/XX/2019 amount XXXX. The escrows are incorrect because my Homeowner insurance monthly payment is incorrect. 
XXXX XXXX the relationship manager was contacted of the payment being incorrect because my homeowner insurance premium was reduced. per XXXX XXXX she was going to provide this information to the processor so my mortgage payment could be reduced and adjusted for the correct payment. 

See Attachments

Company response to consumer: Closed with explanation