vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Problem : Ditech is my mortgage company looking at the statement since XXXX and what I owed versus what I paid, unable to understand how the money paid was allocated and to whom because new statements reflect new/different charges. Also my Principle on XX/XX/2017 was XXXX and in XX/XX/2018 its XXXX but I paid XXXX in XXXX. I have called and was told it was being review and someone would get back to me but they dont and today was told to submit the request in writing but the agent was not sure about any details and when someone would get back to me. We were behind on our payment and since XXXX have been aggressive about catching up and last time we spoke, like the time, prior, and prior to that, was told to pay this amount and then you will be caught up. I think part of the issue is that inXX/XX/XXXX {$4500.00} was reapplied to my account. This is money what was paid and applied prior inXX/XX/XXXX. In XXXX of XXXX the money was backed out to my account, backing out monies from Principle, Escrow, advances or anything related to the loan and the remainder was applied to monies owed but I still think I am over charge and with details, I could understand if I am not, that is a possibility

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011. But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.

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 2018-01-19 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: MS

Complaint narrative:
XX/XX/XXXXI have been filing complaints for them to verify my reports for months and Transunion has not respond to my letters.I have been sending letters since (XX/XX/XXXX), with no verification to the credit laws that I had included. Seeking help with this matter.

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 2018-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
This is a follow-up to complaint #XXXX regarding American Education Services.  Despite talking to customer service in XX/XX/XXXX, I still have received NO new information regarding my application for discharge for total and permanent disability.  Instead, I have received bills for interest.This morning (XX/XX/XXXX), I received a call from XXXX, employee # XXXX, regarding my "past due" balances of $XXXX.  She had NO knowledge of my application for discharge nor the pending complaint.I informed her of the pending discharge and of the previous complaint.  I noted I was going to file a follow-up complaint.  I also requested that I receive NO more collection phone calls.  It is time for them to complete the review of my application and discharge the loan!  It has been almost a YEAR since I started this process and I have received FALSE information from them regarding the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I have received repeated calls after I have already stated I will take care of it. I have gotten calls sometimes more than 3 times in the same day. Atleast three to four times a week. I have asked not to call me, and also not to call so early. I have blocked the numbers they are calling on and somehow they just keep calling on other numbers so I will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.

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 2018-01-19 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months)  marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I was notified that my Wire transfer of {$2000.00} was NOT returned to my bank because the name on my business did not match my name EXACTLY on my coinbase account. It is now XXXX XXXX XXXX and MY FUNDS HAVE NOT BEEN RETURNED YET! Coinbase emailed me and stated that it would be returned in the 7 days after the XX/XX/XXXX It is frustrating enough that I was n't able to add the funds to my account but to not refund me the {$2000.00} within the 7 days is completely unacceptable. I have attempted MANY times to get in contact with someone about this issue but have only been met with automated phone services and emails. I have contacted your bank for Coinbase as well as the XXXX XXXX XXXX XXXX XXXX ( wire department ), and made them aware of the situation. I have also completed all the steps that the previous email from Coinbase support has requested me to do and all that the system will allow me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: DISCOVER BANK
State: CA

Complaint narrative:
When making payments to my Discover credit card, I initially set up my pay account information with an account number that I received when I first open my account several years ago. Over the years that card has been canceled out to the fraud or other reasons, and anytime I make a payment to that account number the payment does not reflect on my account and I am charge late fees and interest. When I called Discover they tell me that I need to update my banking information so that way the payment is applied to the correct account, however no other credit card company operates this way.  At one point I made a payment of over $20,000 and discover did not know the payment has been received or that they had the money until I called them and inquired about it. It wasn’t until after they connected me to their fraud department and took a look at the old account number to where they realized they had been sitting on over $20,000 of my money, while charging me interest and late fees on the new account number. This particular instance happened about a year ago, but it is happened quite a few times since most recently a couple months ago. It is also happening on the current bill cycle because I called today and my payment had  not been received.I don’t think it’s fair for a bank to receive such a large payment and apply it to an account that is not being monitored. If I make it  A payment to the wrong account number I can understand they would say that’s my problem. However anytime I make a payment to a closed account and it has been converted into a new card number, XXXX, XXXX, and XXXX XXXX are all able to figure out how to apply that payment automatically to the most recent account number. I believe Discover is doing something wrong by receiving payments on closed account numbers and not doing anything about notifying the consumer that they have received the money, are in possession of it, or are applying it to their account. There needs to be checks and balances for something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AA

Complaint narrative:
I HAVE NOT RECIEVED MY DEBIT/ CREDIT CARD & I CANNOT SIGN INTO MY ACCOUNT. THE XXXX   WAS SIGNED & REFUSES TO MAKEL DEPOSIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with Capital One bank with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with Capital One with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact Capital One. I did contact Captal one and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 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: MS

Complaint narrative:
XXXX/XXXX/XXXX I have been filing complaints for them to verify my reports for months and XXXX has not respond to my letters.I have been sending letters since ( XXXX XXXX, XXXX ), with no verification to the credit laws that I had included. Seeking help with this matter.

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 2018-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Reported that I was 90 days late on a payment, while in a current forbearance.

Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: MS

Complaint narrative:
XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and Equifax will not remove the unverified items.This letter was sent on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
This loan company, Loancare, has been harassing me since the start of the loan assumption for their mishandling of our insurance, escrow, and now our property tax.

The tax bill is now {$750.00} as ofXX/XX/XXXXaccording to a " XX/XX/XXXX Delinquent Property Tax Notice '' and on that bill it states " All property with unpaid taxes will be sold at our Tax Sale '' with a due date of XX/XX/XXXX. Now while I am sure that XXXX  County is not going to sell my house right out from under me on XX/XX/XXXX the bill was due inXX/XX/XXXX for the year XX/XX/XXXX. I spoke with a representative yesterday from XXXX County yesterday to confirm that the taxes are still not paid. According to the payment history on Loancare 's website, they paid {$36.00} so I just got off the phone today XX/XX/XXXX, with XXXX XXXX at XXXX County Revenue and it is their policy not to take any partial payments so that is another strike against Loancare.

On XX/XX/XXXX I attempted to call Loancare and after a brief hold I was told by a recording that due to a high volume of calls that I would have to leave a phone number. I did this two times at XXXX and a second time at XXXX. I got zero response. After the call to XXXX XXXX today, I tried to call again at XXXX  with still having to input my number. Note : they did not continue to give me an option of holding.

Loancare bought out my USDA mortgage from XXXX XXXX  and has messed up our homeowners insurance status multiple times requiring multiple calls resulting them trying to force me to buy their insurance when they are the ones that messed up. They sent the insurance check to our former insurance company then charged us for insurance when we NEVER had a lapse in insurance. Recently they tried the same thing again just because I had gotten married and the insurance with XXXX is in my married name.

They were charging me an exorbitant amount for my escrow account and had to refund me twice within a year for over payment. The first time it was close to {$500.00} and instead of reviewing it, they kept the escrow charge the same and had to send me another check onXX/XX/XXXX for {$1900.00} after I initiated the action by emailing them and asking why they have not changed the escrow amount so my excess payment can be taken off of the Principal instead of sitting in escrow building up interest for them. It still took them over a month to decrease the escrow amount with our first payment reduction coming due in XX/XX/XXXX.

This company needs to be prohibited from any new loans until they can work out their many failures.

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 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TEK COLLECT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK COLLECT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation