vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
identity theft

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 2019-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Under FDCPA Section 807 ( 8 ) : XXXX XXXXXXXX XXXX ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage has failed to report this disputed debt to the credit bureaus. In addition, XXXX XXXX XXXX  ( XXXX ), XXXX Bank and all trust, and GreenPoint Mortgage did not validate debt yet continue to pursue collection activity by filing a lawsuit against me which is a violation under FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

XXXX is now communicating selling my loan to another servicer without furnishing documents of their agreement with GreenPoint Mortgage collection dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
DIVERSIFIED CONSULTANTS, INC. has sent notice in the last few months that I owed for a previous account with XXXX. 

I have settled any misunderstandings with the original company and DIVERSIFIED CONSULTANTS, INC. is still reporting to the bureaus. 

I do not owe anyone or any company anything and would like any information saying otherwise removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/19 I was duped into buying a bed by Mattress Firm in XXXX New York. The salesperson withheld information about returns and lied when he said I could try the bed for 120 days and if I didnt like it I could return it. They sent the wrong base and when I called to have it replaced they said its not returnable. This was clearly fraud. I tried today to file a complaint with synchrony bank card. They have had me on hold 45 minutes. Clearly they dont want to take the complaint. I originally spoke with XXXX who said dhe would file a dispute with the merchant and initiate an investigation. After 28 minutes she said she couldnt file the dispute and I needed to be transferred to a specialist. Im still on hold now almost an hour. She gave me no reference number so I cant even call back and talk to someone else without initiating the whole call again.

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 monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Hi All, I am writing this so that it is on record that I XXXX XXXX have attempted to explain previous to both XXXX  and XXXX XXXX XXXX that paying my loans would place me in hardship. 


I have in total federal and private XXXX worth of student loan debt and have yet to reach graduation in school due to the XXXX - XXXX school year of XXXX XXXX now XXXX retrieving my loan in my XXXX year from XXXX univesity. This matter has since caused me XXXX to which I have taking medication on as well as affected me from paying back my XXXX bills due to my diagnose of XXXX. I have several XXXX bills unpaid for an my condition can be XXXX or XXXX at any point in my life which is on record. According to my doctor i have had XXXX my entire life it just recently has taken over my body causing me to be hospitalized from XX/XX/XXXXup until on off XX/XX/XXXX and on bed rest. I just went back to work in XX/XX/XXXX which is on record since I was on XX/XX/XXXX. In starting my new job I also have no health insurance currently and am not sure I remain seeing as though my health has not been 100 percent an the affect of paying back these loans are causing server XXXX. 

The loan companies have used tactics such as threats, calling my family ( XXXX XXXX  XXXX did this ), telling me I have no options, and depleting my credit score. 

I would like for the CFPB to step in with ways on how to assist a consumer who has both private and federal. I am writing this so that if in the case I end up back in the hospital or in court that it is on record that I have searched every day for options and have atleast spoken to both companies once for a clear and reasonable understanding and they have failed. One is taking me to court and the other I am paying .. I also have loans with XXXX which come back into affect within XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2019, Discover Card issued me a XXXX and still reporting full balance for the debt. It is for the amount of {$5400.00} Disputed through 3 credit reporting agency 's and came back verified. 

According to IRS, when a debtor issue a XXXX, it means " Cancellation of debt '' therefore, balance should be {$0.00} on credit reporting 's. 

See the case of " XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, No. XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union ( NFCU ), XXXX XXXX XXXX, XXXX VA XXXX, XXXX. 

Complete Failure to " Gross Up '' Non-Taxable Income for VA Loans/XXXX Veterans. 

Because NFCU does not " Gross Up '' XXXX Veterans ' XXXX and Compensation, or Veterans ' Social Security XXXX, payments, etc. ; A XXXX veteran is being so discriminated against via a very visible and DISPARATE IMPACT. 

Lenders gross monthly income, ( very typically, 10-20 %, ) when determining what type of mortgage a veteran can afford, checking major, monthly debts in relation to " Pre-Tax Income. '' When such " grossing up '' is not done on " non-taxable income, or payments, money, '' this so obviously/visibly creates a FINANCIAL DIS-ADVANTAGE for a would-be buyer/veteran, who receives such non-taxable money/payments/income. VA allows lenders to adjust veteran-borrowers ' non-taxable income, upwards, creating a " Pre-Tax Gross Figure '' ; For Example : A veteran ( like myself ) receives XXXX and compensation at the 100 % rate -- {$3000.00}, from the VA ; my social security XXXX from SSA is {$1200.00} -- all, non-taxable -- or, my " NET PAY, '' versus a gross pay. In other words, more than likely, for Any Worker earning a " net pay of {$4300.00}, monthly, '' such worker would have to earn -- perhaps, several hundred dollars more ( $ XXXX $ XXXX ), considering " Income Taxes, and Social Security Taxes, and even other deductions .... '' It is very important/imperative that such " grossing up '' transpires when determining DTI-Ratio, or, more specifically, keeping such debt-to-income-ratio below the VA 's 41 % guidelines ..., which, so very obviously, will help a XXXX veteran to obtain/maintain/retain a loan, at least, EQUAL TO -- if not, GREATER THAN another or even some other, person, who does not receive non-taxable income. 

Lastly, I am speaking directly from Past Experience : As, a commercial bank ONCE approved me for a much higher VA Home Loan than NFCU. Because, NFCU failed, so fantastically, to " Gross Up '' my " Net Income -- VA XXXX and Compensation and even SS XXXX, money/payments/income. '' Whereas, the commercial bank did indeed " Gross It Up. '' Thereby, NOT discriminating against me because of such, disability/payments, and, so very UN-LIKE NFCU ; which, TODAY, is STILL discriminating against XXXX veterans .... IT MUST STOP/END IMMEDIATELY ...! AND, I DO MEAN END/STOP IMMEDIATELY ...! 
Or, maybe, Congressional Oversight or a Congressional Complaint is so warranted, regarding this very imperative/important COMPLAINT -- 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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
I have a debt through an original creditor, XXXX. I paid the debt via Afni 's website on XX/XX/2019. I paid the full amount of the debt {$200.00}. I have sent letters requesting that this debt be removed from my credit report since I am no longer liable for this account. 

I currently have AFNI and XXXX XXXX reporting on the same dates on the same account. According to law, you shouldn't have 2 collection accounts reporting on the same account. 

This is severely hurting my credit and I am unable to buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a shared ( joint ) account with my wife at Simple bank, with debit cards in both of our names. On XX/XX/2019, I attempted to use my card as a charge without pin and it was declined, I tried again wit pin as debit and still declined, I called Simple who after placing me on hold for approx 1 hour told me that there was a problem with my wife 's individual account ( thats separate from this joint account ) and both accounts in her name was frozen, including the joint account and she would have to call in to get information since they could not give me any information. So she called back in from her phone as they requested, and after placing her on hold for approx 30mins, was told that they dont know what was the problem and would have to escalate it ans someone wound send her a message through the website, the day passed and nothing, no email, no calls. over the next 2 days my wife and I at seperate times made numerous calls to find out the lproblem an have our money releases. I was eventually told that they did not know why the accounts were locked and they are working on the problem, meanwhile they are holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from captial one that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX and XXXX need to be removed also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
when I first notice that I was going to run into problum with my Mortage payment 's. I contacted toe company and tried to workout a back payme n't plan. the company agreed to work with me. the company instructed me that they needed sirtify fund 's every Month. I agreeded with the company. So the company gave me an account number to wired the fund 's every Month. That worked smooth for about four month 's and then I was blocked in paying my mortage useding that methic. I made severial attemp't to pay my Mortage from that account servrial time 's and was not excepted. I was useing wallmart to pay my Mortage payment 's.

As of XX/XX/2018. I had no way to pay my Mortage account. I was block. And I feel that I was taken advantage of becaused I suffer from XXXX. The company totally confused me with added charges on my account. I have been left totally left in the dark by my Mortage company. Per there instruction I applyed for a workout plan to bring my account current and allowed me to remain in my home.I 'm XXXX, XXXX Veterain. wonded worrier. I was taken advantage of becaused I suffer from XXXX? I'm over welmed by that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX  and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the department of education in XXXX of 2018 and was informed that my loan was with XXXX and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.

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 2019-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
My car payment is due every month by the XXXX, I typically always pay half in the beginning in the month and the remainder before the XXXX of the month as I have a 10 day period before I am charged a late fee and that is what works for me. However every single day since the beginning of my laon, I get called every other hour by this institution asking me to make my payment if it hasnt been paid in full by the XXXX and they continue this every day until my payment is made in full and I feel it is harassment to call me this many times a day. I have attempted to have this resolved with the company but all they can offer me is being removed from the call list which I do not find fair because I should be able to have a reminder call Incase I do forget but I should not have to have that reminder every other hour of every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have a debt that was paid ( {$200.00} ) in full to XXXX, XXXX on XX/XX/2019. However, Diversified Consultants is reporting on my credit for this account. I have mailed letters and asked that this account be removed from my credit report since Diversified Consultants no longer own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: Colony Brands, Inc.
State: VA

Complaint narrative:
XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from XXXX XXXX that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX  and XXXX  need to be removed also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I am filing a new complaint after MoneyGram 's response to complaint XXXX. I will copy their response below. As you can see they have made some libelous claims against me, and the number and address they supplied to speak to Mr. XXXX have not worked out. MoneyGram refuses to contact me. Some years in the past I had a problem with XXXX XXXX because someone with my same name had caused some problem ; however, XXXX XXXX contacted me an we resolved my identity. The number MoneyGram supplied is a general service number out of the Country, but XXXX said he would email Mr. XXXX and ask him to call me which never happened. In addition, I sent several letters to the XXXX address. At this point I am simply trying to have a discussion with Mr. XXXX to find out why they have made these false claims. I hope you can somehow help me with they. I plan to spend whatever time necessary to correct MoneyGram 's error. 

This was their response : The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Dear XXXX XXXX, Your email on XX/XX/2019 to the Consumer Financial Protection Bureau via the online complaint portal regarding a MoneyGram online account has been forwarded to our attention. We would like to assure you that we are now investigating the issues addressed in your email. We will keep you updated on the progress of our research and will communicate back to you with a more detailed response once we have completed our investigation. While we are researching your concern, if you have any questions, you may contact us directly by e-mailing us at XXXX, calling us at XXXX or by writing to us at the address provided below. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence. XXXX XXXX, thank you again for giving us the opportunity to respond to your concerns. We very much appreciate your patronage with MoneyGram and look forward to the privilege of assisting you again soon. Sincerely, XXXX XXXX XXXX XXXX Department XXXX MoneyGram XXXX Mailing Address : XXXX XXXX XXXX  MoneyGram XXXX , XXXX XXXX XXXX XXXX XXXX , TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the summer of XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time XXXX   is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me

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