vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
DiTech  Mortgage  ( previously GreenTree Mortgage )  amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via  XXXX   XXXX , direct bill pay  services-CASH  ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare  as GreenTree  was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This XXXX, we applied for a HELOC and were turned down because of a problem with our title. A copy of a letter describing the problem is attached. The lawyer who did the title search indicated Bank of America could solve the problem in two ways. Bank of America refused to provide the requested documents.

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 2017-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MI

Complaint narrative:
I made a payment through XXXX XXXX on XX/XX/XXXX. I was told that all I had to do is call in and give them the mtcn number so they can process it on that day then I would n't receive a 30 day late. So I called in the number on XX/XX/XXXX after I made the payment and gave the rep the mtcn number. I get a call on XX/XX/XXXX asking for XX/XX/XXXX payment and he informed me that I would be getting a 30 day late because my payment did n't get their until XX/XX/XXXX. What was the reason for me calling in the mtcn number from XXXX XXXX. Struggling to stay on track misinformed by representatives. I am doing my part yes I 'm behind you have no resources but to ruin my credit and take my home. I have no other choice but to put my house on the market and hope that I can get an apartment thanks Sunwest. I have made payments before on the XXXX of the month and I did n't get a 30 day why now. I am already stressed that things are at a down spiral you would think that I can get some type of break

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: TX

Complaint narrative:
I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX I have repeatedly requested information every month about this debt in writing only to be told that it is classified information that I need to pay it. They call all hours of the day, are very rude and vulgar, calling from many phone numbers. They have threatened Jail time, bodily harm, and to take out an ad in the local paper. They have demanded payment for {$5300.00} since XXXX 2012, every month I get the same letter. Every month I have sent in a written letter requesting information. Now they are calling my family members and telling them about this debt and threatening jail time for them if they do n't make me pay this debt. I have tried to work with them to get information and they refuse to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: TX

Complaint narrative:
I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on 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 2017-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on 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 2017-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax &   XXXX   XXXX   shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of   XXXX   who 's payments are current.
Why em i being denied as if I have some collection issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  & trans union shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of  XXXX  who 's payments are current.
Why em i being denied as if I have some collection issues

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 2017-06-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: CO

Complaint narrative:
The company for whom I work uses a First Data product call the Money Network Card. They use this card to reimburse business expenses, pay incentives, and take care of payroll adjustments. The issue is not with how my company uses the card, but rather how long the MNC holds onto money. Each time I have gone to transfer money off of the card and into my checking account, the money is in limbo for an unreasonable amount of time. The money vanishes from the MNC immediately, but often does not show up in the checking account until 3 - 5 days later. There is no logical answer for these unreasonable times other than they hold onto the money and use it for their own purposes or to gain interest. For example, I transferred {$400.00} from the MNC to my checking account at XXXX on Thursday, XXXX XXXX, 2017. The money still was not in my account on the third day. When I called, they said they would not even initiate the transfer until an entire business day had passed ( so essentially they took my money immediately at XXXX on XXXX XXXX ), and did nothing until Friday XXXX XXXX, and told me I would not receive the money in my account until Monday, XXXX XXXX, 2017. I said that was ridiculous and an unreasonable period of time for a very easy, straightforward transaction. I would like this organization investigated for holding it 's customers money " hostage '' for unreasonable amounts of time. i am less concerned about me personally than all the employees of my company who live paycheck to paycheck and need their money right away. My perspective is that this practice of First Data 's is unethical.

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 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wrong Home address on my report is effecting my credit.

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 2017-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have  XXXX  due for monthly payments under my current IBR calculation, it changed from the old amount to  XXXX  when I completed my yearly IBR renewal. They 've been auto deducting the old amount I used to have due under last years calculation even though it says I have  XXXX  due. I just canceled auto pay but it says it will still deduct the old amount because it is already " scheduled '' even though its  XXXX   XXXX  and it isnt scheduled until the  XXXX  of  XXXX . I do n't owe them anything this month but they 're saying they 're going to take it anyway.     If my payments had increased I know they would have increased the amount deducted ever month, but they just continue deducting the old amount even though I owe less?? They constantly do stuff like this. They 're parasites.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: GA

Complaint narrative:
On X/X/17 I disputed with the credit bureau Equifax information on my report that was incorrect. The inquires that I disputed were not authorized by me and I wanted them off of my report. Inquires disputed were ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). Equifax failed to remove the negative inquires that were on my report stating they were authorized. I contacted the original creditors listed but they failed to assist me and one of which is shut down ( XXXX XXXX XXXX ) do to fraudulent activity I could not contact. These inquires are hurting my report and I need them removed. I have a Fraud Alert placed on my report because of companies like these appearing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
NOTICE OF ERROR ;  XXXX   XXXX  HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void.  XXXX  v  XXXX   XXXX   XXXX   XXXX ,  XXXX .  XXXX  (  XXXX .  XXXX ,  2016  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I reporting  Caine & Weiner  in regards to an account listed as  XXXX   XXXX   XXXX  in the amount of {$170.00}. This debt does not belong to me. I have disputed with the original creditor as well as the  Credit  collector agency. I am requesting that upon receipt of this complaint that the debt be resolved as it does not belong to me. If this information is incorrectly reported to the credit bureaus I will file a compliant with the BBB against the company and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Action Financial Services, LLC
State: FL

Complaint narrative:
The US dept of education have garnished two months of my SSI ( XXXX ) without my knowledge, I am a XXXX XXXX person, I have tried to reach out and the Dept sent me to a collection agency and for obvious reason I got nowhere with them, I tried to explain that this is for my XXXX meds and my car payment and they did not seen to give a XXXX XXXX XXXX XXXX I even looked on my ss website and it 's not showing up as a garnishment, like I mentioned no contacted me to even make payment arrangement, and according to the rules if you 're XXXX XXXX you 're forgiven for the loan and I 've been XXXX since 2008. Please help because I need these meds and I need a car to get to my doctors. Thank you kindle. 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 2017-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
On  XXXX   XXXX ,    2017  I was mislead into paying a past debt for  XXXX   XXXX   XXXX . I was told by the collection representative if the account is paid in full it would be deleted from my credit report with in 30days. I have called several times and was treated rude and disrespectful and was told they could not remove this for 7yrs. This company refused to remove this paid debt from my credit report. I also spoke w ith the manger at  XXXX   XXXX  company who stated she would submit a reques t to Credit protection to have this debt removed from my credit report. I have contacted both   companies several times and nothing has been done.

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 2017-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased a {$100.00}   XXXX   XXXX    XXXX  gift card on  XXXX   XXXX ,   XXXX   and  XXXX  {$100.00}  XXXX     digital  gift cards on  XXXX   XXXX ,   XXXX   fro m PayPal Digital G ifts on  XXXX . When I tried to use these gift cards in  XXXX    XXXX  , I found that the  XXXX  digital gift cards had no value in them anymore. Numerous people have reported similar issues wit h PayPal Digital Gifts. I  contacted  PayPal Digital Gifts re garding the issue in  XXXX    XXXX   and then received a call telling me they would look into it. However, I 've never heard back from them since. I tried to conta ct PayPal Digital  Gifts again but received no response. Therefore, I 'm seeking aid from CFPB and your help in this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. <P/>
Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority.
<P/>
We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX  for a installment payment that was not paid by our loan administrator and a penalty was also assessed. <P/> XXXX  was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty.
<P/>
They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
The company has repeatedly called over and over again but its never a real person- just an automated system. They have been calling every day while I 'm at work for months now. I have asked several times for them to stop calling me but they refuse. They are jeopardizing my job by the repeated harassing phone calls. I do not even owe the debt they claim I do- I have disputed it and have no record/knowledge of me ever owing anything. When they call and write letters they even threaten to sue me without providing any proper documentation. I disputed the debt and asked for proof- they sent an old lease that was not proof of any debt and did not include images, documentation, receipts, or anything stating that I owed the debt. It also did not have any validating signatures. I have even called and left voicemails several times and have not once received a call back. They also put it on my credit report after I disputed it and keep changing the balance. Its at least every month they go on and change the balance they claim I owe without sending any further documentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SELLING SOURCE, LLC
State: CA

Complaint narrative:
They say they ca n't identify me I am who I say I am some one is using my information and ruined my credit perminantly bills etc 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 2017-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Afni, Inc, keeps sending me collection notices saying that I owe them {$520.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Afni, Inc, keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Afni, Inc for a contract with my signature obligating me to this debt which they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the  XXXX  and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

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  XXXX   2014  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 response to consumer: Closed with explanation