vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I received a note ( dated XX/XX/XXXX ) from Ditech saying that my payment for XX/XX/XXXX which was due on on XX/XX/XXXX had not been received. On XX/XX/XXXX I received 2 voicemails from a collection agency as well ( however not sure if the 2 are related ). The issue here is that the payment for XX/XX/XXXX was made and debited from my account on XX/XX/XXXX. My regular payment is {$1900.00} and I always add an additional {$1000.00} to the payment just because Ditech is known for their unethical practices, hoping that the {$1000.00} would cover any additional fees that they keep adding from time to time. Ditech appears to have applied this payment of {$2900.00} made on XX/XX/XXXX to additional principal thus making it look like I had defaulted on my payment and giving Ditech a chance to apply a late fee to my account. My credit score is around XXXX, have made all my payments on time and have consistently paid more than what I owe to avoid this very situation.Request you to please help correct this error and more importantly investigate Ditech 's reporting and credit collection practices. Unlike most other businesses it is impossible for consumers to walk away from such shady businesses since these things are forced on us. Given a choice I'm sure none of us would want to do business with Ditech, nor did my mortgage originate with Ditech, this was just forced on me. Attached is a copy of my payment history and all the payments that I have made so far ( this includes that XX/XX/XXXX payment which was accounted incorrectly )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Loancare of XXXX XXXX Va has held on to escrow funds that were owe to me since XX/XX/2018. As of XX/XX/18 they still have not paid me and are giving me an excuse that it is taking a while to process. I have called 6 times and have been given the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Unclear of what debt this is. I called to inquire and was given another acct # XXXX and told I would received a call back. I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
i was sued and garnished by XXXX XXXX thru XXXX, XXXX  and XXXX. garnishment started on XX/XX/XXXX. for the amount of XXXX court cost of XXXX and sheriffs fee of XXXX for a total of XXXX they made me pay XXXX 
my balance was paid in full the last payment of XXXX on XX/XX/XXXX. my credit report was XXXX balance from them. then on XX/XX/XXXX they added a balance of {$880.00}. saying that i still owe them money.. these people are ruthless to say the least. i need help clearing this up please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
After speaking with the company twice and confirming my proper contact information they continue to contact my family members after being told not to numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Company is XXXX XXXX. I have three store cards with this company ( XXXX XXXX XXXX, XXXX, and XXXX ). On XX/XX/XXXX, I made payments on each of these accounts. The next day, all three accounts were frozen. I have gone back and forth with XXXX with reps from each store card about this. I've sent emails and and called. They're telling me that my account is frozen as a fraud prevention measure because I made a payment. And that once the payment posts, my available credit will be restored. The payments posted to my accounts and cleared my bank on XX/XX/XXXX and my accounts are still frozen as of today, XX/XX/XXXX It makes no sense that a company would freeze your accounts simply for making a payment to your account. And the company is just giving me the runaround. I've had all 3 of these cards for several years and have always made my payments on time each month. There is no reason for them to freeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I normally pay my XXXX  XXXX XXXX online through my Bank. In XX/XX/XXXX, XXXX  sent me an email to sign up for their new app and make my payment through the app. I decided to start this process as I feel that it is always a good thing to have a back up payment option. I set up the payment to come out of my XXXX XXXX Account. I received a confirmation from XXXX  XXXX that my payment was scheduled and I had a Confirmation Number. The payment date was XX/XX/XXXX and my payment was technically only due on XX/XX/XXXX. On XX/XX/XXXX I received a new statement alert from XXXX indicating that I was past due and that they assessed me a {$28.00} fee for a returned e-payment. I contacted XXXX and they informed me that the payment that I had initiated for XX/XX/XXXX was returned because there was incorrect bank information for them to process the payment. I asked them to review the account information they had on file and they stated they could not. When I tried to review it on their website I could only see that last 4 digits of the account number which appeared correct. I did not receive any notification that there was any type of processing error. I requested a refund of the {$28.00} as they could not verify what information was in their system and they did not contact me in a timely manner. They refused. I do not believe the account information was incorrect, but that their system was unable to process the payment and I got charged for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, i was told by a Comenity bank representative that i am eligible for the 60 month hardship program and I had to pay {$110.00} and to call back to complete the enrollment, because due to their new system, the billing cycle had to process another month. She said she would notate the file and to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back XX/XX/XXXX and the representative at that time, said I was given the wrong information and i was transferred to payment resolutions and was told to call back on XX/XX/XXXX or XX/XX/XXXX to complete the enrollment. I called back today XX/XX/XXXX and they said i was told wrong information again and I can not enroll unless i make more payments. 

I tried to do this same program back in XX/XX/XXXX ( paid ) approx {$100.00} and had the same issues, i get told different information each time I call and I am not enrolled in the program. In the meantime, I am accruing late fee 's. i am not disputing i owe this debt, I just want the program the offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of Experian, XXXX  or XXXX. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
XXXX- called again on the debt i told them Ill pay when i have the funds and have to do the research on the other agency before paying. The rep still kept continuing to demand the Payment even when i told him dont call me again. This is the third time calling. The calls are recorded so you can pull the phone records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Management Services
State: NC

Complaint narrative:
I have contacted XXXX several times letting them know that they have reported the same bill twice to XXXX XXXX. Also the bill has been paid by Medicaid after contacting XXXX XXXX XXXX they claimed to have reported payment to XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Medicaid paid back to my XXXX on XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX. None of this information is on the reports of XXXX, Transunion or XXXX. I  am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of XXXX, XXXX or Equifax. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
Dear CFPB, XXXX has placed me in collection with the agency described below.As result of this the balance on the account was reported to the credit agencies. I dont have any knowledge of me owing XXXX  money nor I was aware that they were attempting to collect any debts from me.I dont believe is a fare business practice to report my account to the credit agencies and cause my credit to be damage for a debt that is not even legit. I would appreciate your assistance resolving this matter as I am trying to have this collection account removed from my credit report as soon as possible. I believe this is an abuse of power and invasion to my personal credit. Thank you and I look forward to your answer. 



You've paid off 0 % of your collection amount. 
Balance {$330.00} Highest Balance {$330.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I apparently sold my truck to a man named XXXX at phone numbers XXXX and XXXX for {$23000.00}. He sent counterfeit checks of the amount {$26000.00} to my bank, XXXX XXXX XXXX XXXX ( account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( routing # XXXX ; account # XXXX ). He stated that he was overpaying me because he was having to hire a mover to come pick up my truck to move it out of state. I sent the difference to the supposed mover for the difference of {$3200.00} which is where he told me to send the funds. I sent it to the Bank of America Account ( routing number XXXX ; account number XXXX ) through the XXXX from my XXXX Checking Account ( acct # XXXX ) as instructed from the attached text message thread. I received notice from XXXX XXXX after the funds were transferred that the check for {$26000.00} were counterfeit and the transaction was reversed. No mover arrived to pick up the truck and the scammer has become non-responsive. 

I am now out {$3200.00} from my attached XXXX XXXX account and have filed a claim but was denied since I in fact initiated the transaction. The account at Bank of America is being used for Identity Theft and a deposit account for fraudulent transactions and counterfeit checks. I did reach out to Bank of America and they told me to reach out to multiple agencies to file a complaint. I have copies of all text messages and transactions but can not attach as the file is too big.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
Unknown to me until I pulled my credit report. Do not believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX University ONLINE was closed and all previous campuses are now XXXX. I continuously try to reach out to customer service, can never reach them AND I can never log into my account. I receive notice that my password is incorrect. I request temporary ones and those to, hinder me from accessing. During my time with XXXX, I had an advisor XXXX XXXX - I do believe was his name - He assisted me and then was no longer professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Original Inquiry : My compliant is with Nelnet. Apparently they handle DOE cases but I have compliant which needs to be heard. My case was opened on XX/XX/XXXX to discharge my federal student loan based on my XXXX-confirmed by the Social Security Administration. I changed my status to Veterans Administration XXXX XXXX. It has been seven months since changing my XXXX status, nine months since my case was opened and three months since I supplied additional documentation. Nelnet has responded, in an unprofessional manner, confusing correspondence and an extremely slow response. It is painful working with Nelnet. They have the VA and Social Security XXXX form Please advice Sent On - XX/XX/XXXX I  appologize for attachingidentifiable info but it's important to see my VA rating Case Number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I set up internet service with XXXX XXXX XXXX and they shipped me some wires in the mail to connect to a modem in order for me to have internet. When I talked with the sales consultant on the phone they did not inform me that I would have to purchase my own modem. The same day that the package from XXXX XXXX XXXX arrived I opened it and realized that I could not connect the internet and use it because I did not have a modem. I promptly called XXXX XXXX XXXX to tell them not to connect my service because I didn't have a modem and didn't want to buy one. They said ok, my service setup was cancelled and I would not receive a bill. Now I received 2 bills for XXXX . I have called XXXX XXXX XXXX numerous times and each time I speak with someone they tell me that the account will be adjusted to reflect the cancellation of service setup and I wont owe that money. Well this hasn't happened, despite me calling 3 different times and speaking to 3 different people! I have been referred to a collection agency called Diversified Consultants,  Inc. My Account number there is XXXX. # XXXX. I am very frustrated as this agency will not work with me. I don't know what to do, or how to actually speak with a person at XXXX XXXX XXXX who will resolve this for me. Please help and tell me what to do to resolve this or act on my behalf. Thank you for your time in reviewing my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/XXXX my husband applied for a student loan from Wells Fargo in the amount of {$2500.00}. He listed me as co-signer WITHOUT my permission. The credit agreement was signed electronically, so Wells Fargo DOES NOT have my signature confirming my position as co-signer. My husband and I have since divorced and he agreed to pay this loan as part of our divorce agreement. The loan is now in default and has never been paid. This loan has negatively affected my credit score as it has been reported as a default. I requested that Wells Fargo remove me as co-signer from this loan. I completed every step which they required to do this, including filing a fraud report against my ex-husband. They have refused numerous requests to remove me as co-signer. I received another letter from Wells Fargo dated XX/XX/XXXX offering me a settlement to resolve the issue. I request your assistance in having my name removed as co-signer and having my credit report reflect this decision. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: GA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX Dear Sirs : I am writing this with assistance. I am XXXX and receive XXXX benefits on a XXXX  XXXX. I was locked out of my online account and needed my routing #. I called the company ( XXXX XXXX ) and their phone representatives. My complaint ( s ) are as follows : 1 ) I had to call 3 times to get an agent. There is no option on the menu to speak to a XXXX representative for online account for lock out, or problems not listed in their automated menu. 

2 ) It is very difficult to get a live agent to help resolve account issues. Their phone system will cut you off without warning, put you on hold for lengthy periods, representatives change unexpectedly. I had to use the " LOST OR STOLEN CARD '' feature to finally get live help.

2 ) While on the call to XXXX, I requested a good friend help with speaking to the representative and explain my complaint. Despite my authorizing this, the XXXX agent 's identified as " XXXX '' " ID # XXXX '' refused to speak directly with him. She was rude, hostile and uncooperative to him. Further she also threatened to not help me, unless my friend refrained in the background from assisting me. I am XXXX and have a XXXX XXXXXXXX. This representative talked too fast, and I have difficulty with instructions due to a XXXX  XXXX. Her attitude and conduct on the call was disturbing. Her refusal to allow me to have someone I authorized assist me during the call is denying me my rights under the XXXX XXXX XXXX. 

3 ) The XXXX website advertises help, including providing routing numbers and other basic information. A direct quote from their home page on XXXX : " We are a website dedicated to helping XXXX XXXX Card holders find information they need regarding their card, including account login information, customer service contact number, direct deposit and routing number information, and any relevant news about the ... '' This bank should allow XXXX XXXX or XXXX persons authorize others to help on their behalf with difficult problems. On their call menu, they should not be allowed to limit account access to customers by designing a menu that limits options and no option for live agent help during business hours when needed.

Company response to consumer: Closed with explanation