vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 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: FIRST HORIZON BANK
State: TX

Complaint narrative:
Moved out of the house at the end of XXXX in anticipation of selling it. Had a buyer interested and ready to buy in XXXX. Closing took a lot longer than anticipated and buyer ended up moving into house in XXXX with a lease buy back agreement. While we were out of the house i didnt make a payment in XXXX in anticipation of the house closing. I never received a XXXX payment slip or phone call regarding the XXXX or XXXX payment. I thought since i didnt recieve a payment slip or phone call that i didnt need to make a payment in XXXX because the house was in closing. I didnt realize until i went to re finance my current house that First Tennessee Bank had reported me 60 days late. FTB was the 20 % of an 80/20 loan and the main mortgage company, XXXX ( who owned the 80 % of the mortgage ) did NOT report me 60 days late yet both payments were due at same time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
They keep changing the there fees and what they are charging me. I gave them all the correct figures when we started and they have now changed the figures 3 times and the points and lender fees rose from {$2800.00} to {$7100.00}. I called multiple times and spoke to a manager and he said he would change it back but then they raised it even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have contacted Portfolio Recovery Associates LLC about a debt from XXXX XXXXXXXX XXXX about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$XXXX} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a 3rd part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX 2017 I met with an insurance agent and we proceeded to sign me up for XXXX forXX/XX/XXXX 2017 as my XXXX started on XX/XX/XXXX 2017. 
From what I was told, XXXX needed to have a credit card on file to bill for a monthly fee next month for {$7.00} for dental insurance. It wasnt dental insurance after all and turned out to be reduced dental fees. I figured this out within a few days and began trying to contact XXXX. I made several phone calls, e-mailed, texted the agent about it ( didnt get a response ) and then cancelled the XXXX insurancebecause no one would talk to me about anything or get back to me as I had been requesting repeatedly. 
That same month, XXXX went on to charge another {$51.00}, {$16.00}, and {$22.00} without my consent. I had already cancelled but they kept charging. When I realized they had charged that I filed a dispute with Capital One. Capital One credit card was been faxed the dispute but refuses pursue it. 
In the mean time, I put a freeze on that card because XXXX wouldnt assure me they wouldnt be charging it in the future. After a few months, Capital One just sent a notice they had reviewed the dispute and were re-charging the card. I requested a written notice of this, what they did on the dispute and what XXXX said. Capital One has sent nothing as of the date of this complaint filing. 
XXXX has continued to try to charge the card and send me stuff in the mail. They sent me a {$13.00} check for a refund on a prescription I paid for. I sent it back to them and told them again not to send me anything as Im not on their insurance. Ive been on a different insurance for two months now and XXXX is still trying to pursue me as a client. 
Capital One has not responded to my inquiries nor the written information Ive sent them. I guess they are just waiting for me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Filed a complaint a couple of days ago about my mortgage with Bank of America. Today I had XXXX call me and offer a lower rate, principle reduction and reduction of years for my loan that they have. 

My original loan if with Bank of America for {$XXXX} back in XXXX/XXXX/XXXX. I had XXXX loan modifications. One in XXXX in which they raised the principle to {$XXXX} ( which I was told you can not do ) and made it a XXXX year loan. There is no record of this by the way. Then in XXXX XXXX, I did another modification to get away from the previous modification which was ridiculous. 

Today, the XXXX person informs me that I owe nothing to Bank of America. XXXX balance. The debt I owe at the courthouse is to Bank of America for {$XXXX}. BOA had to right off a certain amount of first and second mortgages due to fraud. BOA made it look like I had a XXXX mortgage when in fact, I DID NOT. There is paperwork at the courthouse ( I sent it in my previous complaint filed ) stating that my mortgage has a full release of real-estate mortgage dated XXXX. This XXXX person then informs me that I had XXXX mortgages through BOA. One is dated XXXX/XXXX/XXXX and then he stated the other XXXX XXXXs dated XXXX/XXXX/XXXX for {$XXXX}!!! I only had XXXX mortgage in XXXX with them. No second mortgage in XXXX of XXXX either!!!! 

I do n't know what I have to do to get this straightened out. Someone please help me. XXXX is a debt collector. They guy argued and said it was a mortgage company. It states that on the answering machine, when they leave messages for me, that they are a debt collector. I informed the guy of that, then he agreed. They are trying to collect debt from Bank of America that I do not owe. It states XXXX XXXXn my account balance!!! The guy from XXXX then said he fully understood about my situation and was not going to offer me any deals on my loan. " You probably do n't need a loan now. '' I asked him to send me the paperwork that he was reading off to me about my loan ( having XXXX of them now ) and he said he could not. Seems to me now, XXXX has created a different loan? and still collecting money?!!!! 

I am desperate and Bank of America has put me through XXXX and back. I have enough struggles being the guardian for my husband who has a XXXX XXXX. He is the one who put me in this situation in the first place! 

Please look into this matter further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I have been asking for a modification form since the month of XXXX and I did not receive anything they told me they were going to mail it to me and nothing I called them 3 weeks ago and then 2 weeks ago asking for the same form and they said the same thing and this week I receive a letter that I have to pay my loan of full that is about {$36000.00} and I dont have that money I lost my job in XXXX and I also got behind with my payments because I got injured at work. Please help me I dont want to lose my house. The mortgage company is Vanderbilt mortgage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have disputed this account with all three bureaus with no resolution. I 've sent numerous letters to each bureau asking for validation and verification of this debt because I know that it is n't my debt. I 've also sent a letter to XXXX XXXX  XXXX asking for Validation and Verification. I received a letter that was sent to me asking for payment from Portfolio Recovery. I have did everything short of filing a police report concerning this debt. It is preventing me from starting my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As I have so many times before has disputed this account with XXXX XXXX. XXXX XXXX is lying and continuously reporting accurate information to all 3 credit bureaus. I have disputed with all 3 credit bureaus as well.
My last complaint world finance 3rd paragraph ( 3rd loan # XXXX ) was opened on XX/XX/XXXX. XXXX say my 1st payment was due XX/XX/XXXX and NO PAYMENT WAS MADE!! I On my credit reports world finance its showing I did pay XX/XX/XXXX & XX/XX/XXXX ( I have uploaded the credit reports ) and paid on time. THIS IS PROOF that WF IS LYING AND STEADY REPORTING INACCURATE and UNVERIFIABLE INFORMATION. 
I have sent certified letter, visit and called in person the branch in XXXX which I open the account and asked the manager to please let me have a copy of my pay history and contract, the branch did n't have it and said they going to have home office to mail it to me, that been over 3 months ago. I also call the corporate office and left several messages. I spoke to XXXX XXXX today ( XX/XX/XXXX ) at XXXX she said she do n't have any records I have to get them from branch office. I asked XXXX XXXX if they do n't have records at corporate office how are they replying to CFPB and the credit bureaus. She said by the computer. XXXX XXXX called the branch office and spoke with XXXX. XXXX XXXX told me to go to branch office tomorrow and she have my documents. XXXX XXXX said the only reason they would n't have it if the account was sold and I told her the account was not sold it reporting to credit bureaus. I told her the account that was sold to XXXX XXXX was deleted from my credit report because XXXX XXXX could n't verify or send me any supporting documents just as XXXX XXXX can not but steady reporting negatively to credit bureau. 
As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. If this account is not removed from all three credit reports IMMEDIATELY I WILL SUE 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 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
american express called my ex husband today and told them of a balance i owed. according to the fair debt collection practice act, you can not disclose this info to ANYONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
Hi. I returned all the cable XXXX equipment to time XXXX including the box and remote and they said that I did n't. I havnt had cable for about 5 years or so. They then got a collection agency to try to collect it. It 's unfair and I think it must be because the data entered At the store was n't recorded or was wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX about a debt from Comenity Capital Bank about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$400.00} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a XXXX part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 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: CA

Complaint narrative:
I tried to disput info from my XXXX report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes XXXX minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another XXXX minutes. They repeat the first guy. I finally get XXXX supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call XXXX like XXXX guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from XXXX recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
In XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed on XXXX XXXX, XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XXXX XXXX, XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, XXXX party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XXXX XXXX, and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: CA

Complaint narrative:
I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX  XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that Transunion/XXXX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX. 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that XXXX/EQUIFAX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!

Company response to consumer: Closed with non-monetary relief