vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Attempt to transfer a credit mortgage to me without consent : The following issue paid and closed around XXXX at time of XXXX contract was signed by me XXXX initial opening in XXXX. Same was after around 11 years of payments was repossessed / by Greentree for missing a few payments remaining on the total sale to have the trailer, I lost my job and was unable to meet the payments and didnt have any finical recourse at the time, later greentree submitted garnishment of taxes, to the state, til the bill was paid and later sent me a statement of it having been paid in the mail, it was purchased by someone else and rented out for a number of years up til present XXXX began getting a notice from Ditech, along with a list of theft use on my credit of party 's trying to obtain mortgages using my identity without my consent. The Greentree company location was burned and this is someone with a confused issue. Any recent matters are identity theft, trying to use my credit at this location. Property does not belong to me and should not be in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
on XXXX XXXX, 2013 I received several phone calls from Onemain Financial about a payment on my account stating that my account was past due. and and the lady told me i better bring my XXXX XXXX to the office and make payment, i went to the office and told her she will treat me with respect and she called the police on me. so i sent a cease and desist letter to Onemain Financial to stop harrassing phone calls and to comunicate with me through the USPS. and since that day Onemain Financial has refused to accept my payments and caused me to breach the contract for a loan that is secured with my vehicle title. and they have listed a different account number regarding this loan with with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient services all of my federal loans as well as private loans. However, there is XXXX loan to which I have a discrepancy with. I 'm not even sure I even owe the money that Navient claims that I owe. I submitted an application in XX/XX/XXXX requesting to borrown money. However, I ca n't recall ever receiving the money. It is a {$27000.00} loan that Navient said was sent directly by me, however there is no documentation on my end that this check was ever deposited in a bank. And the loan has accelerated in penalities and interest to {$80000.00} which they wo n't reconciled by XX/XX/XXXX. I have requested in writing by certified mail, as well as in numerous telephone conversations that they send me a copy of the signed promissory note and front and back of the endorsed check, to which their either ca n't or wo n't provide. Yet the phone calls are relentless. They call my phone 3 to 4 times a day, have called my work and left a message ( which I work for a alternative school and am not allowed personal phone calls ) and they send letters and calls to other members of my family. I am not avoiding them, but have simply requested proof that I actually borrowed this amount of money. And I have also requested a reconciliation of all of my accounts being serviced by Navient in an attempt to find another loan institution that would be willing to consolidate the debt for me and give me a monthly amount that perhaps, I could afford to pay. That request has not been honored either. They say that on XX/XX/XXXX, they are going to turn me over to a lawyer, but yet will not provide me with the documentation I believe I am entitled to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
had someone hack my debit account around XXXX pm on XX/XX/XXXX I attempted to call the bank. Instead of receiving help, I was put on hold whilst the thieves were still trying to steal my money. Therefore, I reported my card stolen to stop them. I called the bank the next morning. They said they were issuing me another card. I talked to someone at BBVA Compass on the phone on XX/XX/XXXX who told me someone copied my card from a gas pump. I received my new card on XX/XX/XXXX, but it wo n't activate, because the bank says they have closed my account, and they wo n't give me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc.
State: MA

Complaint narrative:
NCC Business Services ( Account number : XXXX ) failed to verify that debt was valid based on statute of limitations. Date of first delinquency dates back to XX/XX/XXXX. Account was re-aged to XX/XX/XXXX without any notification after debt was sold off. Statute of limitations for collection in the State of New York is 6 years from the date of first delinquency. Sent debt validation letter to company on XX/XX/XXXX via registered mail. Company responded with documentation of 1-year lease dated XX/XX/XXXX and set to expire XX/XX/XXXX. Company also responded with invoice noting charges with no invoice number or date. Company refuses to remove item from credit report and cease collection efforts.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing several items on my credit report for some time now. I have disputed several public records that they are refusing to remove because they state that they have verified the account. The first account is a judgment for XXXX. First and foremost the amount of the judgment is incorrect. The amount that was owed was XXXX and it was paid in full. The second is another judgment for XXXX which is a balance that I never owed, and last but not least a BK Chapter XXXX, which the district court notified me by mail that they do not report to the credit bureau. I have been disputing these items for over three years and I am hoping that you guys can help me solve this issue. I have been told by the courts for all XXXX judgments that they have not physically or intentionally reported to the credit bureau any information regarding my judgment and this is a issue that I must dispute with the credit bureau. I have been fighting with them for the last three years and I am not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In reference to CNAC-TX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account 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 with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recieved my credit report and I noticed incorrect and inaccurate items I wanted to dispute them I used the address provided multiple times on the report equifax sent me only to find out that the address is invalid by the United States Post Office

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
The borrower is an XXXX with XXXX. He had arranged a modification of a mortgage which was excessive in valuation, and the prior bank, XXXX XXXX XXXX, refused to honor the modification agreement. Then, the current servicer, XXXX XXXX XXXX XXXX XXXX, as trustee, foreclosed on the premises and sold it to itself. On XXXX XXXX, 2016, the mortgage servicing agent Northstar ( I recall ), sent a letter that the balance of the mortgage including legal fees that was due and owing was around {$180000.00} ( it might have been $ XXXX ) as of XXXX XXXX, 2016. The Bank foreclosed on the property around XXXX in 2016 and the referee 's report relied on XXXX XXXX XXXX XXXX. 's representation that the indebtedness was around {$420000.00}. The referee reports selling it to XXXX XXXX XXXX XXXX. 
for around {$380000.00} for XXXX dollars and other consideration. After researching the land records in XXXX County, New York, I can come to no other conclusion than fraud in regard to this discrepancy. I sent a notice letter to the Bank 's current attorneys and received no response thereto. My client remains in the premises with his wife ; the Bank has filed an L & T petition to evict him in the XXXX Justice Court ( with there being improper service of the notice of petition and petition ), which date is XXXX XXXX. It 's likely that I will need to file a chapter XXXX bankruptcy with an automatic stay to preserve my client 's rights in his equity and possession of his and his wife 's residential premises. I am not certain the extent and nature of the probable fraud and of its civil nor criminal implications in its entirety, but it appears to me to be sufficient for a criminal RICO indictment. The borrower now has a social security card and green card ( although he was eligible for TARP modification without it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MS

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX saying my M & T mortgage was 3 months late and was up for foreclosure. I should have checked, I was actually only 2 months behind, almost. They instructed me to do a modification mortgage. They said, " Do not make your XX/XX/XXXX payment and the modification can start and lower your monthly payment drastically ''. I did as instructed like an XXXX. XXXX was to b my first payment. They set up a time and date for me to call in my payment. XX/XX/XXXX and XX/XX/XXXX was the same appointments. I was only allowed to talk to XXXX. No one else could take my payment. At the end of XX/XX/XXXX, they told me to wait on a letter and mail my payments with the slips to M & T. XX/XX/XXXX I finally get the letter. They said my payment would not be counted late since they did not have the paper work ready. But even though I mailed in my payments when they said for XX/XX/XXXX, XX/XX/XXXX and XXXX, they counted them late. I paid my payments to who they said and did what they said when they said and they reported me as 120 days late on my credit reports. Then, they tell me to give it time and my credit report would straighten itself out. No, it still has not. And my payment went down only XXXX bucks and they added XXXX grand to my mortgage. I have petitioned the credit bureaus twice about this unfair reporting and M & T 4 times and XXXX refuses to talk to me. I just want the six months of on time payments to show as on time.

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 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is in violation of FCRA 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ). They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They merely are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. This is my final attempt before I am forced to pursue litigation in my local circuit court. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. Attached is a letter to once again dispute these inaccurate unverified accounts.

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 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
If you XXXX the " homeowners protection Act '' it 's described as 'Homeowners Protection Act ' A law designed to reduce the unnecessary payment of private mortgage insurance ( PMI ) by homeowners who are no longer required to pay it. The Homeowners Protection Act mandates that lenders disclose certain information about PMI. 
In my situation I am not being protected from Paying PMI unfairly ... ..but rather unfairly being required to carry it through XX/XX/XXXX. Let me explain : my property 's appraised value at closing of my loan in XX/XX/XXXX using by bank 's preferred Appraiser was $ XXXX, my current principal balance is {$260000.00} making my Loan to Value : 76.19 % under the 80 % requirement needed to " drop PMI ''. However my lender is not using the appraised value to calculate my LTV but rather my purchase price of : {$310000.00}. They present my " LTV '' on their website as : 84.9 %. At first I struggled with their own representatives to be able to explain what was happening and why my Loan to Value was being calculate with a number that was not my value. Only after running the ranks did management explain that they were following the law laid out in the " Homeowners Protection Act ''. Imagine my dismay, learning that the law that is named to protect me is cheating me out of {$35000.00} of my homes equity??? Even better yet their website tells me that the approx. date I will reach 80 % Loan to Value is XX/XX/XXXX ( rough math tells me I am looking at approximately 30 more months/payments of PMI in the amount of {$170.00} or {$5200.00} over that period ) That 's a real kick in the teeth. Can you please help change this act to protect Homeowners from paying Private Mortgage Insurance unfairly?

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an Experian member account under the name I use on a daily basis. In XX/XX/2016 I had identity theft. I filled out the FTC Identity Theft Report & police reports using my full legal name as the form requested. 
When I extended my fraud alert to 7 years using my full legal name, I discovered Experian has me in their system under both names, as if I 'm two different people with two different report numbers ; one report number accepted 7 yrs & other asked for same backup info I sent with the accepted report. The Experian site does n't offer an option to correct it. I was on hold 3 hours before I got live person to talk to & was told he could n't do anything about it. And that I 'd have to contact their XXXX which he told me is their Corp office. They are only ones who can fix it. I emailed them & my email was blocked. I 'm dealing with Identity Theft trying to keep my information correct and secure and I ca n't reach Experian, who 's supposed to be protecting it, to put my reports under the FTC ID Theft report number I filed.

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 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I went on Navient site to pay my XX/XX/XXXX payment which had been around $ XXXX month for XXXX. It showed it now at over {$300.00}. I called them and spoke to a customer service agent and they had me fax over a current pay stub with their form. They had set up my payment for the next year thru XX/XX/XXXX to be at {$29.00} month reduced as I said I could not pay that high amount. I told them I would pay more each month if I could on the {$29.00} and on XX/XX/XXXX made a payment of over {$50.00}. I made another payment on their site on XX/XX/XXXX for over {$50.00} also. I went on their site XX/XX/XXXX to pay and it now stated my payment was going to be {$180.00}. I called and the customer service agaent said the person screwed up in XXXX and that they reviewed my account XX/XX/XXXX and that my payment is going to be {$180.00} for 10 months and then will jump to over {$500.00} a month! 
Something going on with Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is refusing to even investigate or to remove old dated information off my credit report. I have XXXX accounts which should have already been removed from my credit report. XXXX XXXX XXXX date of first delinquency was XXXX 2010. And XXXX XXXX XXXX date of First delequency was XXXX 2010. Both these accounts should have aged off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Filed a dispute with Experian, about an item on my credit. From XXXX, result on my credit report indicated that it was in chapter XXXX bankruptcy.That is in correct never filed bankruptcy. This item should be removed from my credit all together medicredit did not inform me of missed payment in XX/XX/XXXX, however they took payment in XX/XX/XXXX and never reported me until I called to make a payment.

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