vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Our mortgage is serviced by Ditech ( ditech.com ).

We carry a flood insurance policy on our home voluntarily. We are not required to carry flood insurance as part of our loan agreement.

When FEMA issued us a new flood insurance statement this year, they also sent a copy to Ditech. We are listed as the payer if we choose to pay for flood insurance. Ditech took it upon themselves to add the optional flood insurance policy to our escrow account, making it no longer optional.

I spoke to the flood insurance program on XX/XX/XXXX to ask if Ditech had the right to add the policy to my escrow and pay it automatically without my consent. I was told that Ditech is not listed as a payer on the policy and they only received a copy of the statement.

I spoke to Ditech on XX/XX/XXXX to request them remove the flood insurance policy and under no circumstances pay it, that we are the payer of the policy and we would pay for it directly if we decided to renew. I was told by Ditech that I had to fax them a letter stating I wanted it removed, because it was the law that if they received a statement for insurance they had to pay it.

I faxed them the requested letter on XX/XX/XXXX to the two fax numbers provided by Ditech. I followed up with Ditech on XX/XX/XXXXand was told they did receive the letter but it takes up to 10 days to process the request.

The next day the wired a payment for the flood insurance in the amount of {$2200.00} making my escrow account go into the negative that amount. By this point I had already renewed my flood insurance policy for a lower amount. I contacted the flood insurance program again and was told that they would not issue the policy twice so any payment Ditech sent would not be accepted.

I contacted Ditech back and told them that they sent that payment after I requested that they remove the account from my escrow, that they had no right to make the payment in first place, and they even sent the wrong amount. Their response was ... tough if the payment gets returned to them then they would credit my escrow account back.

Status as of XX/XX/XXXX, my escrow account is still negative from the {$2200.00} wire and the flood insurance policy is still listed on my escrow, now updated to be paid again next year and again for the wrong amount.

Our escrow is scheduled to be recalculated in XXXX  and this issue is going to become a lot bigger if it is recalculated before our escrow account is credited back the {$2200.00} that should have never been sent out in the first place.

By Ditech putting the flood insurance policy into our escrow and paying it without our consent, they are effectively making a voluntary insurance policy and non-voluntary insurance policy.

Ditech has been no help, they just send you from on department to the next without changing anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ladies and Gentlemen, I have 2 credit cards issued by Bank of America with credit limits of {$2500.00} and {$13000.00}. the second card i have for the past 16 years and must have transacted several 100T USd on this account over these years and been paying regularly.

I have a XXXX  issue in the past couple of months but i was paying the minimum amount due every month and unfortunately i missed 1 payment on one of the accounts for $ XXXX  and 2 payments of XXXX for the first account which was not intentional and unfortunately they blocked my ability to pay it on line when i have funds and instead they were presenting cheques to my account.

They cancelled my card with credit of {$2500.00} in the first week of XXXX  and inspite of getting a payment from me for the second card on XXXX of XXXX for {$250.00} they cancelled my card with limit of {$13000.00} on XXXX of XXXX.

By cancelling these cards, my credit scores are heavily impacted and hence i request you to kindly reinstate these cards though i am not using it and only make minimum payments. I am also trying to at least get this down to 50 % in the next months expecting some long due payments to me.

Another problem is that i am unable to make payments directly as i was doing for many years and you are debiting my account by cheque on due dates. I am sometimes aware of this only after the cheque is returned and then i try to go on line and make the payment, i dont have access to it. I have to again call BOA and make the payment and hence please reinstate my ability to be able to make the payments directly by bank transfer. This way i can make payments whenever i have excess cash in my bank account.

I am a BOA customer for the past 17 years and for missing a minimum payment i dont disserve cancellation of my credit accounts. I have been paying regularly except in the near past.

I am willing to clear the past due amounts in my account and also make the payments on time on both these accounts going forward however i want the credits on these accounts reinstated or a new card issued me with the same credit levels that it does nto impact my credit scores 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 2019-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
We have a customer by the name of XXXX XXXX XXXX who refinanced with us back in XXXX. We sent the Power of Attorney forms to Bridgecrest along with the payment of {$28000.00} for the XXXX XXXX XXXX he financed with us. Everything has been finalized and it has been now 3 months and Bridgecrest is trying to hold the title back from us and even tried to send us our money back after they already cashed it to force Mr. XXXX to stay with them to take the car back. This is not attainable for the simple fact that he has his loan tied into one of our client 's, Bridgecrest is now legally obligated to send us the title regardless of what matters they have with Mr. XXXX  or contract. They have been sent payment for the car and once accepted even if they send us a check, that is on them to give us the title for the vehicle. The vehicle VIN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: CL Holdings LLC
State: LA

Complaint narrative:
I check my credit reports often, I noticed a collection from XXXX XXXX XXXX, it said I owed XXXX dollars from an account that was opened on XX/XX/XXXX, well there's a problem, I was XXXX from XX/XX/XXXXtill XX/XX/XXXX, I disputed the account, XXXX almost immediately took it off my report on XX/XX/XXXX, XXXX and XXXX   came back saying the account was verified, with no explanation as to how, I dont understand how one agency removes the collection and the others dont

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: MD

Complaint narrative:
I have been on income based payments for the last 2 years. However, the income based payments have to be renewed yearly, but I never receive a notification warning me that my payment plan is changing and I am enrolled in automatic payments. There is no email or correspondence guiding me to renew my income based plan. So 2 years in a row I have found that Navient goes from taking my income based payment, which is around {$35.00}, to my original payment, which last year was roughly {$300.00}, to this year 's, which was {$510.00}. Not only am I struggling financially to pay that amount, as I didn't even have the funds in my bank account, but I have a 5 month old child to take care of now. Last year I played telephone tag with Navient in hopes that they would reverse the payment, and never successfully got in touch with someone, so I gave up. I just attempted to contact them this morning regarding the {$510.00} and got disconnected both times without the option of leaving a voicemail message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: OH

Complaint narrative:
A charged off account can not have a 150 % usage. The usage must be changed to 0 %. This is for first premier bank. This has already been disputed with Experian.

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 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I receive, on average, 9 calls every single day. I had credit cards with XXXX XXXX and told them I am unemployed. I tried to make arrangements to repay, at one point, and started but my husband lost his job. They have contacted my sister, who's number was NEVER give. Her name isn't even similar to mine. I receive private phone calls from them, restricted phone calls from them XXXX number calls from them ... daily. back to back to back. Then it stops for about 3 hours, and starts again. I received one call, three times stating that the man was a lawyer and I needed to have my lawyer call them. I owe a debt yes but I have committed no crime. I have blocked their numbers, they have called from lines that are forwarded to other numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX sent my Debt to a collection agency XX/XX/2018 even though I had settled this Debt with XXXX XX/XX/2018. I filed a complaint with the XXXX  and on XX/XX/2018 I spoke with XXXX executive office. They said even though we agreed on a settlement they would not remove from collections unless I paid an additional {$37.00}. I paid that amount and they said it would be removed in 60-90 days. To this date it still hasn't been removed. I have disputed it with Experian showing the letter from XXXX they would have it removed and Experian still hasn't removed 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 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Some use my credit cards without my permission and made charges. I agreed to pay what I charge and the company agreed to remove all negative information for my credit report.But after paying the accounts. The company didnt keep its agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I have bi-weekly withdrawals out of our checking account every 2 weeks to pay our mortgage, hence making MORE payments than required. Apparently PHH mortgage uses a 3rd party named XXXX XXXX   for their equity accelerator program. After 5 years of payments with no issues, I received a letter from PHH dated XX/XX/XXXX stating that my mortgage payment wasn't received. I received a statement on XX/XX/XXXX saying that the amount due for XX/XX/XXXX was {$5700.00}. I called and spoke with someone who was mediocre at best - but regardless, the " problem '' corrected itself. 

Six months later, we start to receive phone calls, letters, and bills stating that our mortgage is past due. This is ludicrous because I am making payments bi-weekly as stated previously. I've called PHH SEVERAL times since receiving the first letter in XX/XX/XXXX, and to date ( XX/XX/XXXX ) they still have not resolved the issue with the billing company. PHH is issuing late fees to my account and leaving threatening voicemails regarding getting bill collectors and credit bureaus involved. 

I am at my wits end with this company and their lousy customer service. My husband and I work very hard to ensure our bills are paid timely and have excellent credit scores as a result. I don't appreciate PHH mortgage company running our good credit into the ground simply because they can't communicate with the company that THEY hired!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX has declined to release my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I am yet again having issues with forced-placed flood insurance issued by Roundpoint Mortgage Servicing. I have repeatedly provided them with proof of my condominium association 's flood insurance by multiple means listed on their website ( it still says you may email documents, and an agent told me this was still available, yet when I called again another agent told me the e-mail address was no longer functioning ). Despite this, I received an acknowledgement of receipt of my email by Roundpoint 's servicing department weeks ago. I also uploaded the documentation onto the website over a week ago, with no response except my escrow analysis which now claims I will owe an additional {$300.00} a month in escrow payments due to this duplicative and unnecessary force placed flood insurance. Roundpoint needs to immediately fix this error and oversight on their part, as well as address this miscommunication issues within their insurance department. My condominium association has a constant and continuing policy that is automatically renewed every year. The current process is burdensome and rife with errors on Roundpoint 's part. I want issuance of the force placed insurance reversed immediately and credited back to my account, and a new escrow analysis to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: MI

Complaint narrative:
I filed a dispute against XXXX XXXX on XX/XX/2019. This was my 2nd filing of the same problem XXXX has alleged that I was late with a payment of {$52.00} for XX/XX/2019. I was not late with this payment and i have spoken with this company and they are refusing to corect their mistake. My bank paid them on XX/XX/2019. My payment is dueon the XXXX of each month. I won't tis corrected because it is having an affect on my score. Please hlp 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 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC
State: MD

Complaint narrative:
XX/XX/2018 loan for {$550.00} paying a total of XXXX at end of term in interest I paid the first payment and the second payment ive defaulted and within a day they are harrasing at work calling and thats not acceptable and messaged me saying they will not go away that they will call work and ask for my supervisor to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Incorrect information on my account that happened in XX/XX/2015 when i was XXXX XXXX  to my daughter and i tried to explain to them that i have losted my card or that it was stolen but they still will not help me in anyway i showed proof that i was XXXX XXXX  so their was no way I could have been in New York doing fraudulent activity with my card or my bank account but they still turned me down and would not hear me out i still was denied a real chance to plead my case i stayed in hospital from XXXX in the XXXX   XX/XX/XXXX until after XXXX  sometime XX/XX/2015 my daughter was born at XXXX XXXX XXXX something XXXX on the XX/XX/XXXX after they induced me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX had submitted a claim to my credit score but I'm out of believe {$2500.00} and they were removed off of my credit last year because it was teams not owed. Between XXXX employee benefits of {$250.00} early termination fee coverage for up to four lines plus we had the bill paid off. also around the same time that we went through bankruptcy so this would have also been included in bankruptcy if there was a balance left. I have attached the bankruptcy document with the list of creditors that were included. when XXXX was removed from my credit they went and turned around and submitted it to another collection agency without listing it as being through them and did not disclose that it was XXXX. I tried repeatedly to get those taken off my credit and claimed that it was on bankruptcy documents and it still has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i went and got a car wash from a company which i paid with my debt card from wells fargo when i got home i saw the damage done to my car and the fallowing morning it was apairent that they soaked my carpet and a very bad smell was coming out of my car i called the car wash company and they didnt want to help so we called the bank that we have been with since 1996 and gave them everything they asked for but today i recived a letter that they are going to deduct the money from my account and that they show that some one with authorization used this card this bank claims to have protection for its clients and that it will protect them from fraud and theft are they not aware that theft by taking is the worst kind of theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I bought earbuds on XX/XX/18. I waited about 3 months and contacted to the merchant. The merchant said that they are going to send the product asap. But another 2 months later, i still did not get the product. I called the Bank of America and report this transaction. and the associate helped me to dispute the transaction. After a month later, I got letter the Bank of America could not dispute this transaction due to their timeframe.

But I still did not get the refund or the product.

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 2019-01-23 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: IL

Complaint narrative:
Equifax is not reporting accounts accurately. I have contacted them about my XXXX XXXX credit account ending in XXXX with XXXX XXXX  & XXXX XXXX account ending XXXX also with XXXX XXXX  several times to have them added to my report & updated properly. I have contacted the company & they stated that they are sending monthly updates to Equifax but they are refusing to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that CAPITAL ONE AUTO FINANCE has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with capital one on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted Capital one last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.

Company response to consumer: Closed with non-monetary relief