vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the debt.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax will not provide my annual Credit report online, after several requests. All information was accurately answered to identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled my credit file and found XXXX chapter XXXX a couple months apart And XXXX liens so I called the court house and was told verbally That they do n't report to the Credit bureau 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My complaint is with XXXX, XXXX, Equifax. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I recently read about Citibank being fined for unfairly charging its customers for extra products and also for unfair debt collection practices. I had a card with Citibank for many years, the balance of which was supposed to have been paid off as part of my divorce proceedings in XXXX. In XXXX XXXX I went to the bank to find my checking account had been frozen due to a lien placed by Citibank. I was never served copies of a judgment or received any communication at all either from Citibank or its attorneys. Calls to the law firm are not returned and I can not get resolution. They recently placed another lien on my bank account. After reading about CFPB 's fine of Citibank, I would like to know how to find out if I am XXXX of the millions of consumers that were affected by their fraudulent practices.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The credit reporting company Midland Credit is in violation of the Fair Credit Reporting Act by abusive collection practices, and obtaining validation of debt information. The conduct has been unethical, negligent and noncompliant. The company has not furnished accurate and complete information. sect. 609 ( FCRA ) Their harassment, oppression, abuse and conduct is prohibited by law and implied account was turned over to innocent purchases for value. The company harasses me several times a day with inaccurate findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Some indvidual walked in to an HSBC branch, deposited a fake check into my account, then withdrew that amount in cash, using a fake ID, they then went to another branch and did the exact same thing. They managed to steal XXXX from my savings account, cause once the checks bounced they took them off my savings. I contacted the bank, and they said they will investigate this has been going on Since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I was advised/promised by a customer service representative for XXXX/XXXX who was advising me about consolidation into the income based repayment plan that my already qualified 6+ years of payments under the XXXX Loan Forgiveness program would be included after I consolidated. 

I recently discovered this is not only not true, these previously qualified payments do not count, but that there is also no process to appeal or review this decision. I was given false information and made financial decisions based on this information. 

If I had known I would lose almost 7 years of qualifying payments for working for non-profit agencies I never would have consolidated. I would have continued to pay the same rate for 3 more years and been finished. 

These programs are designed as motivators for people who are willing to make less money doing non-profit work. I 've upheld my end of the bargain. I 've never missed a payment or even paid late. Instead of being almost done, I 'm now faced with almost starting over again. This raises my qualifying payments to 17 years instead of 10. 

This is not right. My attempts to find help or people willing to discuss this issue with customer support are useless. Customer support agents are rude and often do not know what they are talking about or seem to make things up to end the call. I 've learned this the hard way. 

This situation needs to be made right. I have all the confirmation numbers for every payment since I graduated college. I recently learned from XXXX XXXX employee ID XXXX ( FedLoanServicing ) that this exact thing happens " all the time '', and there 's nothing that can be done. I do n't understand how a servicer who is handling my federal student loan can lie to me and I have to suffer whatever the financial consequences. 

Please help. 
Respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a checking account with navy federal credit union that offered overdrafrt protection that i unfortunately took advantage of & got so far behind that i had a hard time paying back. Not fully understanding the terms or programs offered by the credit union i was under the impression that i needed to pay the overdrawn amount in full. My checking account was closed and sent for collection at the same time my savings account remained active. I had a significant amount of money deposited in my savings account when i tried to withdraw the money from my savings i was informed by the representatives from navy federal that i would have to set up arrangements to pay the amount overdrawn from my checking account before i would be able to access my savings account once i then spoke with the representative from that department she informed me ( very rudely ) that the credit union would be taking all the money from my savings account and that since she could not confirm my employment or source of income that i would n't be able to set up any arrangements & any future money deposited into my savings would be applied to my remaining overdrawn balance all this after explaining to her that i am a XXXX veteran living on a fixed income. I would think that navy federal credit union is supposed to offer benefits for XXXX and XXXX veterans instead of a rude & hostile customer experience i also again agreed to set up arrangements & while speaking with the agent she took all the money from my savings account. Any help with this will be greatly appreciated. I intend to pay off the remaining balance and close all my accounts and i will no longer do any business with navy federal credit union & anyone i speak with or know i would suggest the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
In XX/XX/XXXX ( I 'm not sure of the exact date ) I received a letter from Citizens Bank saying I owed {$11.00} on a credit card I had canceled approximately a month earlier. I was told Citizens accepts charges on a canceled credit card for 30 days after cancellation. On XX/XX/XXXX I paid the charges ( facilitated by the bank branch manager who also said she overnighted it to the CC office. ) In XX/XX/XXXX I received a bill for {$1.00} with payment due on XX/XX/XXXX. I inquired ( with the same bank branch manager ) about the charge and she could not give me a satisfactory answer. She called Citizens CC number, spoke to a person who said I needed to pay the penalty. The reason : the {$11.00} payment was received on XX/XX/XXXX therefore incurring a charge of {$1.00}. Yet the bank check for {$11.00} was dated XX/XX/XXXX and I was told it was sent by overnight mail to the CC address. The Citizens branch manager handled all the details including calling the CC center to ensure that her actions addressed the issues both in XX/XX/XXXX and in XX/XX/XXXX. Questions were not answered : why the {$1.00} charge on a payment facilitated by a Citizens representative based on instructions from the Citizens CC person, why did I not receive any communication from Citizens until XX/XX/XXXX ( they said they sent monthly bills to my old address yet these said bills were never forwarded by the post office nor did the new homeowner bring us the bills - friends bought our house and they periodically hand deliver mail meant for us ). Also troubling, the branch manager at one point responded to the CC person, " I know we 're on the same team. '' I am troubled by a charge appearing almost 7 months after the CC was canceled and 6 months after I paid the remaining balance on the card per the exact instructions and facilitation by 7 the branch manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian has closed out an investigation and improperly verified again a false certification see cfpb XXXX and refuses to investigate this fraud.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Currently the credit bureau is reporting a XXXX account as an authorize user. I did not request this nor authorize this. Please delete this account from my credit profile. I contacted the credit bureaus and was told it takes 30 days. This account is not mine and again and did not authorize. delete

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 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent Experian numerous requests to investigate, verify and remove accounts that do not belong to me from my credit report and they are not responding.

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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX XXXX. I disputed the validity of the information after contacting XXXX XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60 days.

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 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion continues to report inaccurate fraudulent information on my report. XXXX account # XXXX is not my account.

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 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
Onemain Financial XXXX, WA XXXX ( XXXX ) XXXX My Husband and I have a loan through this company that we have been paying on since XXXX 2015. Onemain is reporting that we own nothing on our credit report that the loan was paid in full but we are still paying our monthly payment towards this loan. We are working with XXXX Through The Housing resource center which is HUD Certified and we tried to get onemain financial to printout our payment history from the time our loan was originated and they said they were unable to do that because they got a new computer system. Then a few weeks later we received a copy of our payment history when we went into the office and you can not even read the payment history printout that they gave us. They told us that is the only printout that they could give us. I am worried that we are making payments towards our loan and its not even being reported to the credit bureau. I would like to have this company investigated if possible to make sure they are complying with the Fair debt collection practice act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. 

Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. 

Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. 

Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. 

Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. 
Ditech has not applied my previous payment XX/XX/XXXX to my account. 

Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. 

Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. 

I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. 

I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. 
I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I had a short loan from Green Tree XXXX now Ditech Financials. I was getting monthly statement from them since XX/XX/XXXX till XX/XX/XXXX that stated that I do n't owe them any money ( Principal or Interest ) to them till XX/XX/XXXX as I overpaid in XX/XX/XXXX. I can send proof of Statements. Statement says no Principal & No Interest till XX/XX/XXXX. 
In XX/XX/XXXX as I was going to be charged Interest again I paid out $ XXXX balance and was waiting for their closing statement, when they told me I still owe them {$4200.00} as I had not paid any principal in last two years. My loan was interest only loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation