vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I had a house fire last XXXX ( 2018 ). I worked through my insurance company : they determined the amount of money for reconstruction of the house and sent the money directly to Ditech, my mortgage company at the time. 

When I presented with the contract to sign in XXXX to begin work, the project manager presented me with 2 checks from Ditech amounting to about 50 % of the total they had received. I was surprised, since the second check was due later in the project, but I was eager to get the work started and so signed both as requested. 

About 3 weeks later, Ditech sent a third check for a little less than one-half of the remaining money. I called Ditech and they told me to hold on to it until the right time, and then cash it. Unfortunately, that time hasnt come yet and the check expired in early XXXX. 

Ive been contacting Ditech since XXXX, both by phone and after the beginning of the year also their online submission. I havent gotten a satisfactory response. After Ditech transferred my loan to XXXX, I attempted to confirm the transfer of the claim money. Not all the money was transferred. I obtained check amounts by phone from Ditech and did the math. Not only was the amount of the uncashed check not included, but almost {$8000.00} was missing from the amount originally sent by my insurance company. 

I have sent emails with details, plus certified letters, but again, no response. It hasnt been that long since I sent these most recent queries, but given Ditechs Chapter XXXX status, and the lack of meaningful response since last XXXX, Im not hopeful. 

My accounting ( an estimate since I haven't been able to get any documentation ) is that Ditech is holding about {$43000.00} that they should have transferred to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Theyve been calling my wife grandparents that are really old and made them really worried, my wife grandpa has a XXXX and her grandma is on XXXX and when they call them grandpa ask what is about? They never tell him anything, they just say things about a legal document or court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX   XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested

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 2019-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This date is a recertification. This did was on my credit report. I have sent this company certified letters in they have not replied back to my response. I was not notify that this company had put this back on my credit report. This is the 3rd party collection agency I have not made any agreements with them Regarding this debt. Please have them check their records. The credit bureaus removed from my credit report in they reinserted back on my credit report. I did not even receive of a 5 day notice that this was gon na be reinserted back of my credit report. I contacted the original agency and they said I didn't owe. This is the FTC that I'm contacting this is not legal I'm asking for the ftc to investigate this in have this removed from my credit report. I asked for original information regarding this debt I was not supplied with the original debt. I am requesting did this be removed from my credit report immediately or legal action will be taken. This company has violated the law in has not provided me anything of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent equfax the 3 social on credit file they fail to do anything XXXX  and XXXX  fixed my issue ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WV

Complaint narrative:
On XX/XX/XXXX I contacted the person selling tickets to the XXXX XXXX on XXXX. I sent an email and they stated they had digital tickets that they could transfer to me upon payment through Zelle. I requested payment through XXXX but they stated that they did not except it. Zelle was already integrated into my XXXXXXXX banking app and I initiate a transfer of {$680.00} to the seller. The seller and stated they would transfer the tickets to me after which time they did not complete the transfer and stopped communication. The persons email address associated with your account is : XXXX and the holder was XXXX XXXX. Zelle is not helpful in resolving these matters and I was directed to this resource as a source of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a eligible purchase using my Delta Platinum card over 8 weeks ago and met the minimum spend requirement for sign up bonus. I haven't got the delta miles bonus yet and have not been able to transfer membership reward points to other partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
On or about XX/XX/2019 my mortgage loan was sold and transferred from XXXX XXXX XXXX to Loancare LLC. I did not recieve a new loan number until on or about XX/XX/2019. At which time I mailed in my monthly payment because if i tried to make an online payment or a payment over the phone i would have incurred additional fees. As of XX/XX/2019 my mortgage is now being recorded by loancare llc as 30 days late. I was also told by XXXX XXXX   that for the first two months of the transaction process I would not incur any late fees. However to my frustration the first bill i got from loancare llc not only was i charged the {$18.00} late fee but an additional {$410.00}. I have tried to reach loancare via their customer service line XXXX only to repeatedly get put on hold at times for over an hour. After which i elected to have them call me back with the next available service rep. That was on XX/XX/XXXX about XXXX XXXX   and to this date i have not recieved a call back.

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 2019-05-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$1900.00}

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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I canceled my homeowner 's insurance policy with XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX, MO on XX/XX/XXXX, and obtained a policy from a competitor. Never heard a word until XX/XX/XXXX, when my credit report showed a collection from Credit Collection Services for {$180.00} from XXXX XXXX. I immediately called XXXX XXXX who stated the {$180.00} was for XXXX through early XXXX. I explained that I canceled my policy and they became rude and uncooperative. I am filing a complaint that XXXX XXXX reported and sent to collections a debt an amount that was never owed by me nor did they ever contact me regarding the issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$1900.00}

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 2019-05-02 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: NC

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX {$3600.00} XXXX XXXX {$740.00} XXXX XXXX {$200.00}

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 2019-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Sallie Mae/Navient has misrepresented the borrower 's ( my ) interest for years with my federal student loans. I have routinely attempted to set my auto-payment amount larger than what is actually due to attempt to pay off my student loans without paying as much interest. In the past, Sallie Mae/Navient has either disbursed the overpaid amounts to my lower interest student loans despite my requests for the overpayment to go to higher interest student loans first, or has lowered the set auto-payment amounts so that less will be paid off on my principle balance. As of today, I am trying to reset my auto-payment amount once again to a monthly payment amount that is greater than what is owed and it is no longer an option to be able to do this on their site. Furthermore, in cancelling the previous autopayment to pay a monthly amount greater than what is owed, they have removed the " benefits '' given to autopayment enrollees despite signing back up within an hour. 

Sallie Mae/Navient has constantly undermined my ability to be able to pay less in interest to them and are always engineering new ways to make things harder for those who wish to owe less for student loans. This is predatory behavior that is unacceptable and unbecoming of a company who is supposed to represent the United States Government due to their contract to manage federal student loans originating through the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Company involved : Barclays I use a priceline Barclays card and have noticed recently that I am not able to make a payment more than the current balance shown in the app. 
Basically, if my statement closing date is XXXX day of every month and I use the Barclays credit card to make a payment on XXXX or XXXX, and  if the balance is not posted on same day, I wont be able to make a payment towards that amount until it is posted.

If it is posted on 6th, its highly likely that my statement generated on XXXXh will have that balance and as a consumer, I would be denied the opportunity to have a XXXX balance at the end of cycle. 

Basically, Barclays is stopping me ( customer ) to make a higher payment than current balance and denying me the option to have XXXX balance on my credit report. 

Im sure multiple customers are impacted by this and Barclays is denying their customers the opportunity to have a XXXX balance at the end of statement cycle.

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 2019-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: VA

Complaint narrative:
In XX/XX/2017 I made two loan payments on my vehicle which should have been applied toXX/XX/XXXXr andXX/XX/XXXX. InXX/XX/XXXX I made a payment which would have accounted to XX/XX/XXXX.XX/XX/XXXX we had a thin month so I did not make a payment since that month 's payment was already made. In XX/XX/XXXX, I made my XX/XX/XXXX payment 8 days late for which a late fee was added. On XX/XX/XXXX I made another payment which would have been for XX/XX/XXXX. My next statement with the company still indicated my XX/XX/XXXX payment was due and a late fee was charged on my late fee that was assessed on myXX/XX/XXXX payment. I made myXX/XX/XXXX payment on theXX/XX/XXXX, one day before the due date of theXX/XX/XXXX. As of today, company still shows that I owe for myXX/XX/XXXXpayment. I contacted the company on XX/XX/XXXX to discuss this. After reviewing my payments with the CSR, he agreed that there appeared to be an error on the part of the company and attempted to transfer me to the department best suited to handle this. The transfer could not be made so he sent a message and advised me to call back on Friday XX/XX/XXXX. I called on XX/XX/XXXX, the CSR saw the note on my account and attempted to transfer me without success. She assured me she would email the department and I would be contacted within 24 hours. As of XX/XX/XXXX I have not received a response and my account has now been assessed another late fee on the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX {$3600.00} XXXX   XXXX  {$740.00} XXXX XXXX {$200.00}

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2019 A charge for a XXXX  purchased was charged. I received my statement and contacted capitalone about the charge. I explained to them that I did go into a XXXX store to establish new service to get a new XXXX. I was with the sales guy and had the phone picked out and was at the last step which was to sign and than take my phone that i purchased. I had my card out, but i had him wait a moment because i found a better deal at a target phone kiosk. I explained to him that i want to check out targets mobile kiosk to see there specials. he got upset and took all of the papers that I DID NOT SIGN and my card and the phone that was still wrapped into the back. He came back out and gave me my card and information about the plan NOTHING I signed. I explained this to them about 5 times, after talking with different country reps that couldnt understand, i finally speak with someone in the states today ( on the phone for over 2 hours today, in the past about another 2 hours explaining ). Today the guy at capitalone ( another country ) had me be on hold while he calls the store that the card was charged, the guy on the phone couldnt find the charge, he said he would transfer us to the corporate accounting department. The guy at capitalone, me and the lady in the corporate accounting was discussing the above. I gave her all of my personal information and capitalone charge information. She than asked for a pin or a code, i said i dont have an account and dont know the pin. she than said this is fraud and she needs to put me on hold. After that, the line disconnected. After calling back to capitalone on hold for another 30 minutes, the guy said ( in the US ) there is nothing else for me to do but we can not help you anymore. The charge isnt mine, i didnt get credit for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts are fraudulent : XXXX XXXX {$490.00} XXXX XXXX {$470.00} XXXX & XXXX XXXX {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I disputed this collection through the CRAs many times, and each time it was verified. I mailed a debt validation letter directly to National Credit Systems on XX/XX/XXXX. No response. I mailed a similar letter to the property manager on XX/XX/XXXX. No response.

I was forced to leave apartment due to ownership change and new rules about pets immediately, with no warning. I am asking for a complete breakdown of the {$2700.00} charges.I have no idea what these charges could be for? I left the apartment in cleaner and in better condition than when I moved in.

The only response I have received was a settlement offer from NCS on XX/XX/XXXX, so NCS can find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mother died XX/XX/XXXX .My brother and I lived with my mother and paid her XXXX monthly for six years.We never knew the what the mortgage payment was.When we called the lender they refused to give us any information even though we told them the CFBP issued in XXXX and a rule issued in XXXX gave successors in interest certain rights such as being added a borrower without triggering the ability to repay rule.We are now in court going through a foreclosure. All we want to do is find out our options to keep the home.We have been in court two years with attorneys  that will not speak with us because instead of them trying to resolve the situation with us they foreclosed on the home even though they were aware of my moms death and we brought it to the attention of the court and filed a motion to dismiss which was granted, We are now going through the process a second time, They knew they could not foreclose on a deceased person so there is no way they are going to be nothing but adversarial which they are because we informed the court about what they were doing was illegal .We would like to speak with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
We were harassed and harmed financially by our servicer and did not receive any restitution from them after they were fined by the CFPB and the FTC for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief