vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am a customer of Ditect Financial LLC and I have a mortgage loan with the company. I have been regularly paying off my monthly bill without any delay every month. And I have been doing this through a standing instruction through my bank. In the month of XX/XX/XXXX, my premium increased by {$28.00} from a monthly payment of {$1600.00} because of an annual rate change.

Since I had set the payment method as automatic, my bank sent them the old amount of {$1600.00} which was short by {$28.00} in XX/XX/XXXX. As soon as I realized the problem, I made the additional payment of {$28.00} within 30 days. However, when I received by bill dated XX/XX/XXXX, I was slapped with a late charge of {$82.00}.

I called Ditect to explain the situation and requested them to waive the late charge since I thought it was unfairly high and more so because I have not defaulted before and that too it was a genuine oversight which I corrected immediately. They refused to comply stating that the fee was justified. I requested to talk to the supervisor who also declined my request.

I am being asked to pay a fee of {$82.00} for a late payment of {$28.00} by about 15 days.

Ditech seems to be engaging in unscrupulous and unfair means of collecting additional fees from its customers. I would like the situation to be rectified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
OnXX/XX/XXXX I called Equifax to remove inquiries that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another US Rep received my call. I explained to her what happened and how the US Rep was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other US Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other US Rep was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. XXXX   was pulled on XX/XX/XXXX &XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX  was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted XXXX onXX/XX/XXXX and spoke with a US Rep who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX  on XX/XX/XXXX whom as well told me the same thing XXXX stated except they put a Fraud alert on my credit file and still wouldn't help me with these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: OR

Complaint narrative:
This debt for {$240.00} just hit my credit report and i have NO IDEA what it is for! it mentions a loan business that i used once in XXXX, Oregon about 4 years ago!!! if i owed them some money ( which i do not! ) i would be happy to pay it off ( If they called me! ). I received 0 phone calls, 0 emails, and 0 letters to attempt to collect any debt from myself! I have called the loan place i referred to " XXXX XXXX XXXX XXXX '' and after a search of all my data including SSN they say i do not owe anything. This says the original bill is from " XXXX XXXX XXXX '' which i have never heard of and can not find on XXXX. It says account opened on XX/XX/2018 AGAIN! i have no idea what this is! i am reporting FRAUD unless someone calls me and explains! they will not answer the phone number that is on the credit report! REMOVE FROM MY REPORT FOR FRAUD AS OF NOW! call me XXXX and prove the debt is mine and i will pay! if not i will fight this legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

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 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.

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 2018-03-28 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: TX

Complaint narrative:
CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR

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 2018-03-28 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: TX

Complaint narrative:
CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Balance was paid in full in XXXX of 2015 via a check in the mail. When I called the company after payment, a customer service rep tried to get me to pay the same balance again. Company shows balance unpaid on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a phone call from XXXX at XXXX pacific time, they asked for a person with my same last name but had my first name pernounced incorrectly so I told them they had the wrong number. I called the number back out of curiosity and it states XXXX XXXX XXXX Knowing I had registered my number with the US government to do not call I have no idea why this number would of called me. I blocked that number and I want it to stop whoever it is plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.

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 2018-03-28 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: WA

Complaint narrative:
There are 3 collections attached to my credit report for medical and I have tried to get them off for years sometimes they will come off for a month or so and then they re appear when talking to the collections company they can not provide any information at all about what it is and why they say they are old and they dont have access to the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had been disputing a charge on my credit report with experian every chance it would let me because the account from the start just hasn't been handled properly. XXXX ( fair credit and outsourcing ) put a debt on my credit that they gave me no chance to dispute before they did. And I have proof of that. I finally got them taken off after experian investigation and waiting the 30 days. I was thrilled to see it come off and my credit went up like it should have been this whole time without them on it. XXXX days later I get an alert that they " found '' more information and put it back on. 30 days is the allotted legal time. There should not have been any more time to look into it and shouldn't for sure went back on to my credit report from anything else that was found because the 30 days was given and it was deleted.

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The company has asked that I pay a debt for acct # XXXX  : that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of XXXX XXXX records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, Midland keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Drees Company, Inc.
State: TN

Complaint narrative:
XXXX XXXX was using illegal steering tactics to force me to use their " partner lender '' First Equity Mortgage to buy my home. In the contract addendum it specifically states that a preapproval letter from this mortgage company is required to be considered a contract. Addendum dated XX/XX/2018. 
I never applied with or received an approval letter from the " required lender '' making contract null and void and had my atty type a letter stating this and requesting my earnest money of XXXX back based on the fact that according to their own language in the contract stating the contract is not valid. XXXX XXXX XXXX Division President of XXXX XXXX replied stating that they will not refund my earnest money. This is not only a violation of their own contract, but also a clear violation of anti steering laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Debt Recovery Solutions, LLC
State: OR

Complaint narrative:
This is fraud but I still paid them in order to get it off my credit report! This needs to say " removed due to error '' or something instead of " paid in full '' this debt is not ligitemate PLUS it's been paid! See attached proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
Apparently, XXXX sent me a notice that I owed XXXX XXXX XXXX {$520.00} on XX/XX/XXXX. At this time, my son, who is a XXXX XXXX veteran and has severe XXXX and XXXX, was going through a rough time and XXXX   XXXX because on XX/XX/XXXX he hit an XXXX  in XXXX while serving in the XXXX. On XX/XX/XXXX, he attempted XXXX, and I spent the next few weeks securing treatment for him because the XXXX XXXX XXXX XXXX had turned him away on XX/XX/XXXX. Needless to say, as a family, we have been dealing with this for years and it is unbelievably exhausting so  whether XXXX sent me this bill or not I have no idea because for the past couple of months my life has been turned upside down. I also have XXXX so that complicates matters. 

I had called XXXX XXXX XXXX a couple of months ago to setup a payment plan and unbeknownst to me, they do not automatically take all of your accounts into consideration for the payment plan so again, I thought I was doing the right thing but because I did not unequivocally state that I wanted all accounts included, I am punished. 

On XX/XX/XXXX, I noticed that XXXX had added a collections report to the credit agencies so I immediately paid XXXX XXXX XXXX {$520.00} directly. I called XXXX to see about having the collections removed from my credit report and they will not. Yes, I know I missed paying that account because I did not receive or overlooked the ONE statement they sent me but I was busy trying to keep my veteran son alive. 

I now have my house on the market and I guess I will be homeless because no mortgage company is going to touch me with the 40 point drop in my credit score. I do not understand why XXXX would not even entertain removing the collections from the credit agencies. There is no empathy or sympathy in this world anymore and especially for Military families.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX

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 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted transunion on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

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 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received 4 XXXX Cancellation of Debt form from Chase regarding my private student loans. The forms were 4 loans that totalled {$21000.00} ( 3 x {$5000.00}, and 1 {$6000.00} ). I originally called them onXX/XX/XXXX to get help regarding the issue because the loans that they cancelled are active. They have been serviced up to this day by XXXX and I have been making regular payments on them. The original call resulted in being told to send in a fax with documentation to dispute the action by Chase. I since then faxed the information 3 time ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) Each fax has requested that I be called to confirm receipt, and to get an update. I have also called numerous occasions to their XXXX number. I've asked to speak to a manager about the situation at least 5 times. They have a record of my calls because they refer to it each time I have called. The one time a manager called me ( XXXX ), she said that they did not get any faxes and that I had to be mistaken that my loans were not active. Each time I have recently called, I get transferred to a manager 's voicemail, leave a message requesting a call, and not getting any response back whatsoever. I am now liable for {$21000.00} in income that I have to include in my taxes because Chase doesn't keep accurate records of their loans and tries to get people to pay on loans they don't even own. I feel like I am getting the severe runaround now. My servicer XXXX has been nothing but wonderful, they gave me information about my loans that I used to file my dispute. They also verified that the loans that they have did in fact belong to Chase at one point, but they no longer own the loans. They said they were confused as to why Chase would do such a thing. I now need sever help to get my records straight. Nobody at Chase really helps especially since it's their fault and mistake.

Company response to consumer: Closed with explanation