vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I had been a person that had my mortgage with Ditech. I had contacted them in XXXX because of a hardship and asked for a forbearance. The date was on XX/XX/2019. I spoke with XXXX at XXXX XXXX   the called lasted until XXXX. I told him about the hardship and he told me they could help me, but it wouldn't be before XX/XX/XXXX. Before XX/XX/XXXX, I received a statement from XXXX XXXX saying, they now hold my mortgage. I did call XXXX the day I received the statement. The gentlemen said, they couldn't do anything for me for 60 days. I had been promised by Ditech, that the forbearance would be given to me. They didn't tell me they were filing bankruptcy and they were going to hang me out to dry. I have never had to do this type of thing before, so I pray I have all the information that you need, to check into the mess! Please can you help me!!!??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.

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 2019-07-02 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: FL

Complaint narrative:
ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX   XXXX/XXXX. THE DEBT WAS SETTLED WITH XXXX  XXXX   XXXX, XXXX, AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.

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 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
This is regarding my loan with Lakeview Loan Servicing, who manages my mortgage and escrow. 

After trying to resolve my issue by phone several times, I provided documentation to Lakeview on XX/XX/2019 including my receipt for taxes paid last year to XXXX County, and this year 's tax assessment from XXXX County for our projected taxes for this year. We live in XXXX County inside city limits for XXXX XXXX, Texas. The confusion is because " City of XXXX XXXX '' is listed on both the XXXX County tax assessment and the XXXX County receipt for the taxes we paid last. The reason for this is because the city uses XXXX County to collect their taxes. Therefore, XXXX County does not collect any XXXX XXXX city taxes, even though they show a line for City of XXXX XXXX at approximately {$2000.00}. As I have explained to Lakeview multiple times, they are counting this approx. {$2000.00} twice when they estimate our Escrow. Several of Lakeview 's personnel including management have agreed with me on the phone, but then explain that it will have to be escalated with their tax department. They usually tell me to wait 2 to 3 business days to hear back on a resolution, but then they don't call me back. They have been promising this for over a month now. Still no resolution. When I call back, I have to start all over with the person on the line and explain it again as they try to interpret the ever-growing amount of notes on their screen. 

Please refer to tax appraisal Lakeview has on file. The total amount shown on the XXXX County assessment is {$8100.00}, which includes a line for {$1800.00} for the city of XXXX XXXX. However, that {$1800.00} is not to be collected by XXXX County,  but XXXX County instead since the city uses them to collect this ( the majority of the city of XXXX XXXX lies in XXXX County, except for a sliver in the neighboring counties ). {$8100.00} is our total estimated property taxes for this year, except for {$510.00} for public improvements as shown on the XXXX County receipt I have provided Lakeview. Again, they will see that there is a city of XXXX XXXX amount collected by XXXX County, but they should not count this twice.

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 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
OnXX/XX/2019 I called the two companies that owned by Security Finance Companies and the companies are Continental Credit and Security Finance and both are located in XXXX, OK. I called Security Finance to make my monthly payment of {$130.00} and this company refused to take my payment. I then called the sister company of XXXX XXXX to also make my payment of {$95.00} and each of the payments for each of this companies have been paid early or right on the XXXX. of each month up until this month which is XX/XX/2019. I also contacted these companies corporate office in XXXX, SC and they also refuse to help me make payments.

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 2019-07-02 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Acura Financial Services phone # XXXX, have reported to all credit bureaus my account 30 days delinquent in XXXX twice, I have never been 30 days past due for this account, loan paid off back in XXXX. I spoke with XXXX from call center on XX/XX/XXXX and he reviewed account with supervisor XXXX, yet he was unable to provided me with supervisor contact information because they do not take calls which seemed unprofessional. I tried to refinance my loan with XXXX XXXX XXXX XXXX and was denied simply because I seem to be a risk due to XXXX fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are reporting collections on the XXXX and XXXX XXXX XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a XXXX XXXX. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.

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 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: CA

Complaint narrative:
on or about XX/XX/XXXX I received a letter from XXXX XXXX indicating that I owe {$15000.00} to the current creditor listed as USI Solutions. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or about XX/XX/XXXX I contacted XXXX XXXX and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or about XX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called XXXX XXXX to request status. I was informed that the case was returned to USI Solutions and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to USI Solutions. 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to XXXX XXXX. 
XX/XX/XXXX ANOTHER call to XXXX XXXX and I am informed that the case was returned to USI Solutions. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XX/XX/XXXXXXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for USI Solutions indicates that this scam has been perpetrated on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I am writing to dispute a collections account on my credit report. The account is under NCC Business Services with original creditor being XXXX XXXX XXXX. 
This item is inaccurate because we did not receive an itemized statement of deductions and receipt from vendors within 21 days ( CA Civil Code 1950.5 ). The leasing agency issued us the necessary documents on XX/XX/2018 via USPS mail then immediately sent us to collections the next day ( XX/XX/2018 ). I am not disputing the amount owed, as once we received the itemized statement, we agreed and just recently paid the bill in full, but I am disputing the collections agency reporting. I have called both NCC Business services and filed disputes with all 3 credit bureaus with no success. I am attaching email documentation that shows the original leasing company did not send the itemized statement to the correct address as we provided upon move out. I am also attaching the dispute letters I sent to the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
SOMEONE STOLEN MY IDENITY TO OPEN FRAUDLENT ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
First started XX/XX/XXXX and still being requested XX/XX/XXXX. Amount is {$530.00}. I disputed it multiple times on my credit report and wrote a letter as well as called.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HW Holding, Inc
State: TX

Complaint narrative:
I COULDN'T BELIEVE WHAT WAS ON MY CREDIT REPORT ABOUT OWEING PAST RENT FROM THE TWO DIFFERENT AGENCIES. IN A DIFFRENT STATE.. never lived there in my life. Called tryed to explain aske auestions for over 3 weeks will not listen. Nothing is adds up to me or my last name. Dob. S.s.n. very rude they will not take it off. I have lived in XXXX.tx all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I am paying extra principal and on an every two week payment plan, and I am trying to get a written amortization schedule. I sent my request in writing only to be told via e-mail on XX/XX/XXXX that I must call. 

I called today and spoke with someone in Customer service. She told me to go online and there was a calculator there that I could use, so I kept her on the phone so that she could help me, only to discover that the calculator could not compute this for my situation. I asked to speak to a manager, and received XXXX ( who can not give out her last name ), Escalation Specialist, # XXXX, who also could not assist. 

All I want is a written amortization schedule showing how this loan will be paid off over time by making my every other week payment and extra principal. I was told that they could not give me this in writing because it would be an estimate. That makes absolutley no sense since this is a fixed loan, paying it a fixed way, with a fixed interest rate and a fixed amount of extra principal. 

Is something being hidden by Flagstar that they can not show? It is very odd. 

I will appreciate your assistance.

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 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MS

Complaint narrative:
I'd like to add that since I first submitted a complaint to FedLoan, I  heard a news story on XXXX about how many people are having the same issues I've had. The PSLF program is in disarray, and dealing with FedLoan Servicing is very difficult. I handled congressional inquiries for a U.S. Senator, and just yesterday, I received a call from a constituent who is having the same problem I am - as are many.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
All documents have been sent to PennyMac loss draft department to release insurance check to repair home! Company refuse to release funds so contractors can fix home. I have payed out of my pocket to repair some repairs. I'm not able to live in home! Theres no kitchen! Roof needs repaired! I have been sleeping on someone else sofa! My insurance company verified check has been cashed and cleared. The home is at 50 % repaired!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
sent XXXX the ftc complaint wells fargo still showing on my credit file XXXX  and XXXX  have remove it

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 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I contacted Money Key regarding my account number is XXXX. I explained that my main bank checking account listed with Money Key was hacked by ID thieves. I was informed by law enforcement to file a report with the Police, Texas  Attorney General office, and Consumer Finance Protection Board. I have no way to make my final payment right now pending this investigation and reestablishing my direct deposit from my XXXX pension fund. Is there any way that Money Key could give me an extension on this final payment without reporting it as a negative entry to my already decimated credit profile? If you need me to compete an affidavit please send me the link or document via email, XXXX. Here are the report numbers for verification and to place a collections suppression order on this account *XXXX Police Department 's Economic Crimes Unit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   *OAG/Federal Trade Commission Affidavit , # XXXX *Consumer Financial Protection Bureau , # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I HAVE BEEN MISS LED " BY NELNET WHO IS MANAGING ALL MY STUDENT LOANS, AND THE US DEPARTMENT OF EDUCATION ' ALL MY STUDENT LOANS ARE REPORTING ' DUPLICATE LOANS EVERY TIME I CALL NELNET AND THE DEPARTMENT OF EDUCATION, THEY HAVE LOANS THAT ARE NOT REPORTING ACCURATELY. THIS PRACTICE HAS RUIN MY CREDIT MY LIVELY HOOD AND ANY CHANCE FOR A JOB IN THE FIELDS THAT I WENT TO SCHOOL TO OBTAIN A PROFESSIONAL JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I had a payment get returned. I received a call from them to settle the matter. I told them I would pay them XX/XX/XXXX and figure out how to pay the past due. They keep calling me and my wife after giving them my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. My hospital stays were discounted by 90 %. I never received bills by the original doctor office so that I could provide them the charity letter from the main hospital. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. The 2nd acct says date opened XX/XX/XXXX, then first reported just a few months later. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. I would like to have this removed as this is a ball of who shot john. Also remove all personal information from your databases.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
sent equifax the ftc complaint XXXX XXXX still showing on my credit file XXXX and XXXX have remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
OnXX/XX/2019 Huntington took {$180.00} and some change out of my account ; when I called to try and find out what happened they told me that they took it out from 2 years ago for {$12.00} and some change when I had a overdraft fee. When I told them they couldn't do that they said yes they could because it's the same bank they told me {$100.00} was for a fee and that the {$81.00} was for something I had no clue what it was. I asked if they could put it back but they told me that there was nothing that they could do so I closed my account around 4:50 p.m. that day. I believe these practices to be in violation of Unfair, Deceptive or Abusive Acts and Practices, Section 5 of the Federal Trade Commission Act ( FTC Act ), 15 USC 45 ( a ) ( 1 ) ( UDAP ), as I was only 18 at the time of the occurrence. I believe that the banks practices are predatory and deceptive for younger Americans. I want Huntington to refund the money taken out of my account and an apology issued. I will also be reached out to the Ohio Attorney General and the XXXX  in regards to this banks deceptive practices. I have reached out to Huntington to resolve my concerns and they have been less than helpful. Please assist in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 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: CO

Complaint narrative:
Experian and XXXX are reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they  would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XXXX. This incorrect reporting is harming my credit score.  Please delete these items from 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 non-monetary relief