vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2013 XXXX XXXX  XXXX CT-XXXX appeared on my credit report. I am disputing this item.Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 )  ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
This student loan was submitted and approved on line by an identity thief. I have submitted over 100 copies of the police report and federal identity theft report over the last 8 years. The company refused to provide the on line application IP address and supporting documents to both the local and state police. The company refused to submit the same information to the federal ombudsman during her investigation. The company refused to provide where the money originated and where it ended up. 
The company has filed to withhold my federal tax returns and any other federal monies owed to me ( over {$20000.00} so far this year ). When I contacted the company 's lawyer, he told me " so what, you owe it because your name is on the online application ''. 

Since the company refuses to work with the state and local police to find the thief, I can not prosecute. 

The company has now placed over {$120000.00} in interest and penalties on this illegal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Actually, this has been going on for years. Probably 5 years. 

They called consistently and I finally blocked their calls so I have no idea if they are still trying. They claim I owe over $ 27k but I have no idea why. I checked my credit report and this debt is not listed anywhere on it. Never was as far as I can tell. I finally wrote them a letter explaining that there is no connection to my credit and their debt. The amount is off the wall. So they wrote back and said they couldn't do anything about it or something without more information from me. So I ignored that as well because it seemed like they were trying to get me to pay on something I don't owe. Quite frankly I have been ignoring their letters since then because there is no connection. 

So the other day I get a letter from them saying I could write you if I had a complaint. So that is why I am writing you. I would like these people to get me off their radar because they are very irritating and just wrong. 

I don't have a scanner to upload a copy of their latest letter regarding how to report my complaint. I can give you an account number if you need it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: United Revenue Corporation
State: TX

Complaint narrative:
they are trying to collect a debt older then 2 years which is outside the statue of limitations without ever sending anything verifying any debt owed or any correspondence at all

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
On today XX/XX/2018 approx XXXX central standard time I received a call from a debt collector. I explained driving filing bankruptcy. I attempted to explain can't get attorneys information driving I was unable to pull over he gets angry and hangs up. The call didn't drop he was angry and badgering me for the information. I was trying to advise to call me bk on tomorrow would be happy to get the information. This debt collectors name is XXXX XXXX that called me. So after he hung up I called the Company back and spoke to XXXX XXXX with American Collections he said he was a supervisor I explained to him what had just happened and he said to me we just need your attorneys information?? I said sir you need more than that I was mistreated and you don't have a right to mistreat people. I asked for his senior manager he refused and said this is as far as this is going to? He was bullying me to as if I don't have a right to voice my concerns over this gross misrepresentation!! I advised him of filing a complaint against the company and both of them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
So I get a promotional offer from USAA to use a convenience check, 0 % interest through XX/XX/XXXX with a {$75.00} or 3 % fee whichever is less I GET A NEW ROOF AND PUT {$9100.00} ON IT I have been a USAA member for 35+ years and never had a problem like this My XX/XX/XXXX showed a {$2.00} interest charge on $ I called on XX/XX/XXXX XXXX and talked with XXXX XXXX and asked how since I always pay off my new purchase balances monthly how did I get charged interest since my {$9100.00} does not start applying interest unless it Is not payed off in full by XX/XX/XXXX? 
She put me on hold, reviewed the offer and my account and came back after a few minutes. She agreed, removed the interest and said she would put in a trouble ticket to get this corrected so it would not show up again. 
My XX/XX/XXXX statement once again show an interest charge of {$4.00}. 
I called on XX/XX/XXXX XXXX XXXX XXXX XXXX? and eventually request to talk to her boss and get transferred to XXXX a Senior resolution specialist and after a 35 minute conversation she says the interest is correct even though I explained what was done last month and she cant expalin clearly why I am getting charged interest on a no interest offer. 
I ask her to put her boss on the line. We go through all the above and says the interest is on the entire account balance for how many days during that billing cycle, your grace period no longer applies. In short she says if you buying nothing else each month, your interest will be 0 % as the only balance is the {$9100.00}. 
The offer did not clarify interest is charged on new purchases, very deceiving and unlike other cards that would not charge any interest!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have been trying to get the payoff balance on my loan. I called again today ( XX/XX/XXXX ) to follow up on the balance so we can refinance with another company. Seterus, Inc. informed me that they received our Chap. XXXX completion notice from the Judge on XX/XX/XXXX. I was also informed that Seterus, Inc. was to have my account completed with their bankruptcy dept. by XX/XX/XXXX. They acknowledged that we had a request for payoff in XX/XX/XXXX and again on XX/XX/XXXX. When I requested the payoff again on XX/XX/XXXX I was told that it could take up to 180 days to process the bankruptcy clearance before a payoff could be completed. I was told not to call back this week as it would not speed anything up. I called back today and was told that while they acknowledge that they have not met any of THEIR requirements to process a payoff, I would have to continue to wait while they try to get the information completed. They are running me around in circles while they acknowledge that they have not met their deadlines. I have DEMANDED a payoff balance to be processed immediately and they just tell me that they have " expedited my complaints '' and they are " working on it ''.

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2015 XXXX XXXX XXXXXXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
I APPLIED FOR HARDSHIP ASSISTANCE AND TRIED TO MAKE MY PAYMENT SEVERAL TIMES, MY PAYMENT WAS DUE IN XX/XX/2018 I MADE MY MORTGAGE PAYMENT AFTER STRUGGLES OF TRYING TO MAKE IT WITH SPS. AFTER I FINALLY GOT A HOLD OF SOMEONE ON XX/XX/18 WITH SOME HELP THEY INFORMED ME TO WIRE FUNDS TO THEM WHICH I DID AND I GOT MY CONFIRMATION. I WAS THEN TOLD THAT I WAS STILL DELINQUENT AND THAT I TELL MAKE MY FULL PAYMENT, THEY REPEATED BACK TO THE AMOUNT I MADE WHICH WAS {$900.00} AND THAT IS WHAT THE APPROVAL SAYS. HOWEVER THEY ARE STATING THAT THEY CANCELLED IT OUT DUE TO NON-PAYMENT. I AM SO FRUSTRATED WITH FIGHTING WITH SPS TO GET APPROVED NOW I AM APPROVED AND THE LENDER IS NOW FIGHTING ME ON TAKE THE FUNDS FOR MY APPROVAL. 

FHA GUIDELINES ARE VERY EASY TO FOLLOW EVEN IF IT IS 1009 PAGES, IT IS APPARENT THAT IT IS NOT SPS POLICY TO BE KNOWLEDGEABLE WITH THE GUIDELINES FOR THE INVESTOR AND THE LOANS THEY SERVICE. FOR THE MANAGERS AND THE EMPLOYEES IN THE LOSS MITIGATION DEPARTMENT I HAVE WENT THROUGH FHA GUIDELINES AND HAVE POSITED BELOW SO YOU CAN SEE THE GRACE PERIOD FOR ALL TRIAL MODIFICATIONS IS THE FULL MONTH IT IS DUE, NOT ONLY ARE THEY NOT FOLLOWING FEDERAL REGULATIONS ON MY FHA LOAN WITH THE PAYMENT. I WAS ALSO SUPPOSE TO SIGN AN AGREEMENT WHICH WAS NOT SENT TO ME, I ONLY RECEIVED A ONE PAGE APPROVAL.

FHA GUIDELINES : ( b ) Trial Payment Plan Failure The Borrower has failed the TPP when one of the following occurs : the Borrower does not return the executed TPP Agreement within the month the first trial payment is due ; the Borrower vacates or abandons the Property ; or the Borrower does not make a scheduled TPP payment by the last Day of the month it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2016 XXXX XXXX XXXX CT- XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I was called by a collection agency, and when they told me that I had a collection account, it was from XX/XX/XXXX. they then told me my last payment was done inXX/XX/XXXX. I asked them what they were talking about and who the creditor was they were trying to collect for. they told me it was for XXXX XXXX credit card. I told them that I didn't remember, but that I was at work and couldn't talk at the moment but to continue talking to my fianc. I myself and my fianc told them not to put the account in dispute, and the collection representative asked us if we wanted to dispute it and my fianc said no, however the representative went ahead and disputed it anyways. I know that doing this reactivates the collection on the credit report, and it shows it as a new/recent collection. I told them that this was an old collection and shouldn't be reporting on my credit report. I told them that I didn't want it to be disputed so that it wouldn't affect my credit report, but they refused to take it out of the dispute. I have not received any documentation regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus. 

However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date. 

I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time. 

If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / WERE DISPUTED ON XX/XX/2018 EXPERIAN DID NOT SEND BACK ANY PAPER WORK MORE THAN 2 1/2 MONTHS.

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2013 XXXX XXXX XXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2015 XXXX XXXX XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY

Complaint narrative:
11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation