vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
On XX/XX/2016, I called my mortgage company to make a payment of {$490.00}. XXXX, the lady I talked to, told me that I normally pay on line, after that, she hung up on me. I told my husband I tried to make the house payment, the lady hung up on me, I do n't if the payment was made or not ; There were no thank you, we will process your payment, it will be so may days or what. My husband and I decided to pay the bill on line. 

A few days later we found that {$490.00} was debited from my/ husband 's account ; {$500.00} was also. I called XXXX ASAP asking why this company took {$500.00} without my permission & requested REFUND! of {$500.00}. XXXX tried to talk me into letting them/company keep the {$500.00} payment because XXXX was coming and I was gon na have to make another payment anyway. I told XXXX why would I want to make two house payments and of a higher amount in which I tried to make a payment of {$490.00} with you from the beginning. After a few harsh words, she told me to go to my bank, get statement proving they took the money in question & SEND FAX ; I did as requested of me and {$500.00} was credited back to my/ husband 's account. 

The next month 's house payment bill for XX/XX/2016, had a charge of {$25.00} for ( NSF ) NON-SUFFICIENT- FUNDS I called XXXX back asking why the charge of {$25.00} for ( NSF ) in which the money was there when you took it in the first place without me/ my /husband 's consent ; that I should not have to pay {$25.00} for something you all did wrong, Then, I asked XXXX to let me talk to someone in a higher position than her. I talked to XXXX supervisor, explained the situation at hand, requested to hear the recorded tape of quality assurance to prove that, # 1, I did not give you/your company permission to go into my/ husband 's bank account to get {$500.00} and now you want to charge me for the funds not being there. 

She said she will get the tape from ( IT ) Information Technology and she will call me back. I had to call them back ( 2 wk ). Then I was told that my husband gave permission in which he did not because he was reclining in his chair in the living room as he always does. We both remember all of this like it twas yesterday. I always take extensive notes when I pay bills and just about everything I do.The supervisor told me that I can not hear the recording.She left me with the impression that they can do and tell me anything, Just pay the {$25.00} ( NSF ) and be through with it is the impression XXXX leaves me. TODAY, the amount of {$25.00} ( NSF ) is still on my bill. 

This whole complaint is about my mortgage company debiting from my/husband 's bank account without permission, wanting to charge us for their paper work for them having to return our funds back to us. They will not let me hear the quality assurance tape and telling me we gave permission to go into our bank account in which we did not. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; XXXX and their collector Portfolio Recover Associates, LLC. I notified both creditors on XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XX/XX/XXXX, I was XXXX years old when the account was opened. I received a response from Portfolio Recovery Associates LLC that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XX/XX/XXXX pointing out that I was XXXX years old when the accounts were opened. On XX/XX/XXXX I received a letter from Portfolio recovery associates LLC requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. 
As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in XX/XX/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement agreement.

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 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am XXXX military, and have been since XX/XX/XXXX. 
In XX/XX/XXXX I purchased a house in XXXX, Arizona through USAA. The loan was a split ( XXXX ). 
I left the US to serve XXXX from XXXX until XXXX. 
During this time USAA sold the primary to another mortgage lender, but USAA retained the " XXXX % '' of the loan for themselves. 
I returned to the US and was divorced shortly after in XX/XX/XXXX-XX/XX/XXXX and because of the housing market crash, the house was upside down. When I attempted to execute a short sale to remove the property as a joint holding between my ex-wife and I, she declined to do so out of pure vindictiveness. This forces the disposal of the property to have to be foreclosed upon in order to break ties and liquidate the property. 
The foreclosure process began, USAA refusel the XXXX / XXXX offer to settle with the primary lender, and the first mortgage holder closed without them. 
USAA somehoe re-catorgized the loan as a " Home Equity Line of Credit '' even though it was original purchase money and not an HLOC. 
In the State of Arizona, there are laws ( see the attached letter as a reference ), that state that all money used as original purchase money, is " forgiven '' at the time of foreclosure. 
USAA has failed to recognize these laws and recorded my mortgage, even after the foreclosure, as a open account with a XXXX balance. 
After seeking assistance from military legal offices, USAA 's only actions in response to the letter requesting the removal of the loan from my credit report, was to file a XXXX and report the loan as loss to them, and capital gains for me. I got smaked with the tax bill, and paid as required. 
However, even after USAA recorded the loss, they still continue to report the mortgage loan on my credit reports and will not communicate with me, or my proxies to resolve this issue. In one event, they actually withheld my military pay to make a mortgage payment forcing me to change my military direct deposit banks to prevent further interference from the bank. I have successfully gotten one of the credit agencies to remove the account based on the law, but USAA has proven to be manipulative and uncooperative, especially since they claim to be a military affiliated institution that is stonewalling an XXXX military member causing massive financial implications in direct contract with the Arizona Revised Statutes that they agree to abide by when they do business in those states. This is a typical struggle of the little guy against the " big bank '' who uses stonewall tactics for their own financial gain, while the whole time advertising themselves as being a " military member supportive institution ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I cashed in a CD XXXX XXXX in the amount of {$2400.00} and USAA said they would send the money to my XXXX on the XXXX. it never got there. I have been calling USAA and now they said is was not sent until the XXXX.. To day is the XXXX. and still nothing in XXXX account. I asked for interest on the money and they said they could not because I do not have a account there. All I get is the run around from USAA. They keep sending me from one person to another with no results

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish 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 2017-01-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A Capital One credit card is not reporting on my XXXX and XXXX credit report. The account starting with XXXX was opened XX/XX/XXXX2001 and has been paid in full. I 've notified the company repeatedly but they have failed to update the XXXX credit bureaus with the accounts information and only update the section which displays when the account last reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My information was stolen XX/XX/XXXX i filed a report with my bank as well as capital one and also filed a police report. I submitted all documents to capital one and i also got a final decision from XXXX on XX/XX/XXXX saying that the payments were not mine i then contacted Capital one and they stated they closed my accounts and i owe the balance i also sent in the final decision from XXXX to capital

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have called this Company Blakeley Witt & Associates to pay the {$380.00} that shows that we owe on my XXXX Credit report. When I called the company today @ XXXX they are saying that we now owe {$550.00} and that the amount goes up every year and that it will go up again in XX/XX/XXXX. This is fraudulent. This credit report was pulled today. Verified with XXXX Credit Rep. This {$380.00} has been reporting to this credit bureau since XX/XX/2012. We would like to pay {$380.00} but nothing more because we are going off what is reported. Have been declined for a place due to this ONLY thing that is stopping us. Orginal Creditor is Estates of XXXX. now called 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 2017-01-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
APR for this loan is XXXX -- -Finance charges are XXXX from Bigpictureloans . As of XX/XX/2017 they would have taken XXXX from my account and I only borrowed {$450.00} and each time a payment is taken the PAYOFF AMT goes up. The current payoff amt is XXXX, this is just a rip-off -- -please help! This was explained to me as an installment loan -- NOT a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo reported to XXXX that my mortgage was foreclosed on in 2014, But it was not foreclosed on. I am trying to close on a house and this has stopped my closing as i ca n't get a mortgage with this error on my credit report. They have aknowledged that this is an error and they would send a letter correcting this to me for closing and XXXX to correct the error. The letter never came and they say they are sending it over and it is thier system but it does not come

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 2016-06-08 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ordered a guitar online from XXXX XXXX ( XXXX XXXX XXXX XXXX, Minnesota XXXX ) which never arrived. Company said I had to fill out a police report despite having NO proof of delivery. I disputed with XXXX Visa - and WON the dispute. Yet - they still email AND call me EVERYDAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
ON ABOUT XX/XX/XXXX WE WENT TO A LOAN CO THAT ADVERTISED THE LOWEST INTEREST SO WE CALLED AND TALKED TO A LADY THAT SAID WITH AN XXXX CREDIT SCORE WE COULD NOT BE TURNED DOWN.AFTER WE FILLED OUT ROWS OF PAPER WE CALLED THE CREDIT BURROW OF SOMEWERE IN XXXX ALTHOUGHT THE LOAN WAS IN XXXX., THE CREDIT XXXX TOLD US THEY HAD OVER XXXX COMPLANTS AGAINST THE LOAN CO. BUT FOR FOR A LARGE COMPANY LIKE LOAN DEPOT THAT WASOK.THE WEEK AFTER THE LOAN WITH THE LOAN CO. AND THE V.A. LOAN DEPOT SAID THE LOAN WAS APPROVED.A FEW DAYS LATER THE LOAN CO. SAID THE LOAN HAD BEEN REVERSTED, WE WERE GOING TO ANOTHER BUT LIKE XXXX DUM- DUM WE USED THEM BECAUSE THEY SAID THEY WOULD GET IT FOR US, SO WE AGREED.IT WAS XXXX BEFORE THEY SAID IT WAS APPROVED EVEN AFTER THAT THEY KEPT CHECKING OUR CREDIT AND ASKING US WERE THE GOT THE MONEY EACH TIME WE WENT TO DEPOIT A CHECK AND WE WOULD HAVE TO GET THE CHECK AND WE WOULD HAVE TO FIND A REASON.WHENWE HAD THE CLOSEING THE MAN DELIVERED THE PAPER WORK AT ABOUT XXXX IT CONTANED OVER XXXX PAGES OF THINGS TO SIGN, IT WAS SO MANY PAGES THAT THE MAN WHOBROUGHT IT OVER SAID HE HAD NEVER AFTER 3O YEARS SEEN THAT MANY PAGES TO SIGN, IT TOO OVER XXXX HOURS TO SIGN THE PAPER WORK.THEN BEFORE THE MONEY WAS SENT THE LADY FROM LOAN DEPOT ASK ME IF I HAD REALLY BE IN THE XXXX AFTER SHOWING ALL MY PAPERS.XXXX CHARGED US SO MUCHCLOSING COST WE COULD NOT BELEAVE IT, IT WAS ONE THING AFTER THE OTHER AND EVEN A LATE THAT THEY ENCURD ON FILLING SOMTHING LATE. MY WIFE DOS N'T WANT METO FILL THIS BECAUSE SEE THINKS THEY MIGHT TAKE ACTION AGAINST BUT I CALLED THE VETERANS ADMINATION AND WAS TOLD IF THEY DO TO LET THEM KNOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
PLEASE REFER TO CASE NUMBER : XXXX Please Note that I have started an investigation the ID number is enlisted above however, I am not able to add or update any additional information therefore, I am starting a new complaint. BSI stated within their last response to the CPFB that they can not generate a monthly statement for me due to the fact that my mortgage was discharged in a Bankruptcy back in XX/XX/XXXX. Which i rectified with XXXX back in XX/XX/XXXX prior to BSI buying the loan. They also stated and acknowledged the fact that I have XXXX loan numbers with the same servicer when I only have a first mortgage with said servicer. I have yet to receive an explanation for XXXX account number which to me is a violation of accounting principals and standards. Nor have they answered my QWR and debt validation request that was drafted and sent to the CPFB as well as mailed to BSI 's physical location months ago. My loan was also converted from a conventional loan to a FHA loan when BSI bought the loan from XXXX and that explanation has not been explained or rectified either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. I called TransUnion and their customer service agents were horrible. I talked to 3 different people and basically was told they know what happened but basically to file a complaint because they were n't going to fix it. This is a serious violation of the FCRA, and I reserve the right to pursue further action. TransUnion may avoid such action by immediately deleting this listing from my credit 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