vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my  husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help the consumer.

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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Today my husband XXXX XXXX attempted to make a cash deposit at Bank of America on XXXX in XXXX, Oklahoma and there was a sign on the door that the bank had permanently closed. We were sent no notification through mail or any other means. Our funds were running low and we needed to make that deposit. We had no warning or any idea the bank had closed. We did not even have the option to change banks. I contacted bank of America on XXXX and their excuse was " Traffic ''. Now the closest one is 45 minutes away. We now have limited funds because we were not notified. How can a bank leave town without notifying its customers. This can not be legal and would like to be investigated. 

XXXX XXXX

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 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an offer in the mail form Capital One telling me I was PRE-APPROVED for one of their high interest credit cards. I am trying to rebuild my credit since I have had past problems with medical bills. The Application came with a reservation code and access code, so I thought the offer was legit. 
After applying on-line, I was declined even though the paper said I was PRE-APPROVED and I received a notice that this application LOWERED my credit score that I have been trying hard to improve. 
Not only was this FALSE ADVERTISING and MISLEADING, but it has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: FL

Complaint narrative:
I am a victim of identity theft and there is currently a {$3800.00} charged off XXXX XXXX account ( XXXX ) being reported to my Experian that I did not create. In my most recent dispute, I requested Experian block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. To this date, the only generic response I received is that the account has been " verified '' again and will not be deleted. This is a serious issue for me but it is not being addressed properly by Experian. I filed a police report with my local XXXX XXXX XXXX Police Department as I now intend to bring the authorities into this. I am attaching a copy of my identity theft report along with my complaint and I have also mailed this to Experian. I am filing this complaint because Experian is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Experian is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Experian. XXXX and XXXX do not have this on my report. This is another factor that Experian is not taking into consideration. XXXX and XXXX  deleted all records of this account because it was opened as a result of 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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
To whom this may concern, Im writing this complaint about navy federal credit union, I went to navy federal credit union in the month of XX/XX/XXXX to open a checking 'S and saving 's account with the financial institute at my local branch in XXXX sc, I was counseled by one of there customer service rep 's, he took my deposit only to come back to me saying an account was opened in my name in the year of XX/XX/XXXX, I then told the representative that I had no knowledge of an account being opened with them through me, he said that there was an outstanding {$500.00} balance on that account and then told me that he was unable to grant me membership at the time until it was cleared up, we both discussed that it was fraudulenty opened in my name at the time and was never done by me myself, he then stated that it was nothing he could do because of the time frame the account was opened, this is an unverified fraudulent acct and is making it hard for me to enjoy membership benefits with the financial institution, I called ( navy federal ) customer service number to see if anything could be done so I could begin to access my accounts and start utilizing memberships benefits, they also to me that they could n't verify due to time frame, this matter has become a burden for me and is very discouraging for something that I did n't do, I would like this to be deleted/removed from there systems so I can start utilizing memberships benefits with the financial institution, everyone with their company just keeps giving me the running around, Warm regards, XXXX 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 2017-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
I received two credit report monitoring alerts. 
XXXX : XX/XX/XXXX Hunter Warfield - XXXX XXXX XXXX ( Collections ) in the amount of {$430.00}. 
XXXX : XX/XX/XXXX Hunter Warfield - Unpaid in the amount of {$430.00} I am an XXXX XXXX service member and this is not a valid debt. 

I have a perfect credit report with no late or missing payments. I also do not have any obligations in this amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
My bill was never the right amount for each month, it steady kept going up rather than the amount I signed up for. 
XXXX : XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I  'm on an fixed income and i 'm not able to pay the balance. I keep getting harasst from these two phone companies on a daily basis. 
I was told that my bill would n't be on my credit but it did. 

here is the address from the debt collectors AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ( 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 2017-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
This is regarding my father 's home.He XXXX XXXX in XX/XX/XXXX.I was the executrix of my father 's will and continued to make payments, it was n't until the court appointed an administrator that everything bad happened.The administrator was hstile toward the heirs and since he is a friend of the judge 's, the judge never made him accountable to anybody.When I learned that the house was going into foreclosure I got my own attorney to negotiate with the lender but since I did n't have authority the mortgage company did not talk to us.I tried numerous times to talk to the administrator but he never contacted me.I did not know that he never attempted to negotiate with the lender and the next thing I know there was a date set. 
The administrator who was the only one with authority to talk to the lender wanted to unlawfully evict my sister, who has lived in the house over 30 years.He called the lender and told them to winterize the property, I believe that there was collusion between the parties.The mortgage company send XXXX XXXX and instead of putting a notice on the door, the removed the front door and damaged the interior door and proceeded to winterize the property even though there were signs in the house that it was occupied.XXXX XXXX also robbed our home of all of our family possessions.My family came from XXXX XXXX and all the heirlooms were stolen.I called XXXX and told to repair the damages and return our belongings but was told only the mortgage company could authorize that.XXXX changed the lock on the front door and they had the key, they have broken into our home a total of 4 times.I called the police only to be told its not criminal but civil.I filed a complaint with the ohio attorney general and was told to complain here.Someone has to hold these companies accountable.Just because you get a mortgage does n't authorize them to break into your home and steal and do damage.

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 2017-11-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have a letter from Ditech Financial LLC, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX 2004. I am perplexed as to why Ditech has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is 4 years in Texas. This should not be on my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been paying on a student loan to Wells Fargo that was purchased from Wachovia Bank over 13 years ago. I am co signor. My son XXXX XXXX is the student. He states that a few years ago, he got a buyout on loans from XXXX and paid them off. He contests that the Wells Fargo loan is or is partially bogus. I am co signor so I was not aware of any settlement. I am trying to buy a house and these are on my credit report, FOR YEARS, even though I have been paying {$200.00} month. I have spoken to XXXX over the years but never got any information about the loan until recently. He said Wells Fargo would accept XXXX for settlement and I was going to use my XXXX club to pay it, but now I 'm not sure that I ever owed this amount and I have been paying on it for years. We had a fraudulent dealing with our local Wachovia Bank in XXXX PA and think this is a case of fraudulent billing. XXXX said something about interest and compounding on a loan. At any rate, I would like this investigated. Having this on my credit report for years has hampered my ability to do anything, and I have been paying on it for years, never late. Please advise ASAP.

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 2017-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I recently received my credit report as a result of current data and identity breaches, I find the company diversified consultants in my files! I sent out a letter to validate the debt owed demanding an original contract and accounting for the alledged debt because I had no knowledge of ever having a contract nor account with them. I ca n't acted the three major credit bureaus XXXX XXXX XXXX and demanded that they make diversified consultants prove 100 percent that I owed this amount and provide required information as such! It remains on my files and nothing has been provided which lawfully should be provided under fdcpa and fcra to collect a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Harassment from Navient- in addition to 3 calls received on landline XX/XX/XXXX Navient has called 12 more times in 4 days as follows : XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( rang 2x, cut off, called again XXXX XXXX ) XX/XX/XXXX XXXX XXXX The phone number they are calling from is XXXX though other unidentified numbers may also be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: FL

Complaint narrative:
I reviewed my credit reports and noticed that collections were being reported that I was unaware of. Initially I attempted to reach out to the credit bureaus and request they provide me with more information regarding the debt. However the bureaus ( XXXX and XXXX ) was unable to get the collection agency to verify the debt and as a result the collections were removed from my XXXX and XXXX credit report. I am now requesting that Experian follow suit and do the same as I have requested from them several times and directly from the collection agency that this debt be validated and or verified by the credit bureau. However as of date I have been unable to receive verification and/or validation of the debts being reported by XXXX XXXX and Experian still continues to report the debt on my credit report. My rights are being violated and my character is being defamed.

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 2017-11-17 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: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a certified handwritten letter to XXXX ( tracking # XXXX ), Transunion ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, XXXX  and Transunion replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, Experian, and TransUnion to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.

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 2017-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation