vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
I requested my paper work on XX/XX/2019 for my pay history and also for my payoff .I have two remaining payments on my home that I have all the paperwork for but ditech refuses to send me my paperwork .Ditech says we owe 5 more payments .But I have received letters from them stating totally different amounts so that is why I requested my payment history from ditech I have called so many times asking them where my paperwork is and every time they give me lame excuses.I have made all of my payments to them to date we even over payed them ..I have all my paperwork to prove this.When I have called them about where my paper work is within three or four days later we get a letter from ditech stating our insurance isn't exceptable and we better get it fixed or they will place  force their own on us .I have always had my own insurance the whole twenty years { I have all my proof of this } .I am tierd of dealing with real rude and nasty people from ditech .And to top it all off yesterday we got a notice in the mail that Ditech fieled for chapter XXXX for the second time .This company needs to be shut down not given a waver of dismissal for their bad miss handling of company funds.They prey on lower income people and ditech calls us high risk ..how dare they ... they are filing for chapter XXXX AGAIN..thankyou

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
They have yet to settle an issue related to how many qualifying payments I have made under Public Service Loan Forgiveness. I have called repeatedly for over a year and there has been no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My mortgage has been transferred to LoanCare LLC from XXXX after XXXX filed bankruptcy, effective XX/XX/XXXX. I can't access my mortgage on LoanCare LLC website, despite being told it would be available on XX/XX/XXXX. My school taxes haven't been paid, I can't see what my escrow account is and whether any payments have been made. I've been trying to call LoanCare LLC for several days, each day spending more than 1 hour on hold before I had to hang up. I haven't paid my XXXX mortgage because I don't know where to pay or have any account number. I have no assurance that this will not effect my credit score. It is unacceptable that there is no way to get in touch with a mortgage servicer!!

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 2019-04-09 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: MO

Complaint narrative:
I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXXXXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.

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 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
This morning I received a call from an unknown number and the lady would not provide her name, but stated she was calling from XXXX XXXX XXXX XXXX. She asked if I had received any documentation in reference to my case, I told her no in which she provided me a case number and a XXXX number to call for further details to my case because she was only able to call a verify my location. I tried asking her name again in which she quickly stated that she is only supposed to call a verify location and told me good luck and hung up the phone. I called the XXXX number given and spoke with a lady by the name of XXXX XXXX and she was calling in reference to a breach of contract between myself and Ace Cash Express, for a loan I received in XX/XX/2017 in the amount of {$500.00}. She asked if I had an attorney I stated no and I began to tell her that I did not have any loan with Ace, XXXX became very rude stating that I received the loan and when payment became due my acct was closed which resulted in breach of contract due to Ace attempting to contact me several times. I told her I had received no letters and/or phone calls. She called out an email address to me that I had never heard of and an employer by the name of XXXX XXXX XXXX. I told that was not my info for email or employer because I've been employed with XXXX for 4 years. I began to explain to her that the date mentioned above my wallet had been stolen so there was no way I created that loan and also my credit score is in the 300 's and I would never be approved for such a high amount. XXXX, once again speaking rudely, stated that she was going to document the account with my statement, but the phone was not for me to file a dispute and that once I receive my court documents I could come dispute this in court. I tried several times on the call to get some information from acct she was reading and she told me that she could not provide me the info. I'm sure that is incorrect because if you're calling in ref to any legal matters or unpaid debts, I have a right to know what's going, especially since I am unaware of this loan and know for a fact my wallet was stolen in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I wanted to purchase XXXX XXXX  from Best Buy. They displayed an offer to apply for a Best Buy CitiBank visa card and get 10 % back in rewards if I pay with the card. I applied for a card, my application was approved and I paid $ XXXX+tax= {$630.00} with the card. Later it turned out that they is lied. Instead of issuing a statement credit of 10 %, they have promised to issue certificates worth of {$55.00} ( LESS THAN 10 $!!! ) that can be used only to make purchases in Best Buy. I called the credit card company and talked to a representative and then to a supervisor. They refused to offer a satisfactory resolution. I said to them that I am not planning to shop in Best Buy any time soon. I said they must disclose in their offer that the reward points can be used only to get certificates for making purchases in Best Buy. This was not disclosed in their offer ( their offer is attached ). If I knew that I can only get certificates to use them in Best Buy, I would never apply for this credit card. I could use another card that gives better benefits. I strongly believe that what they have done is HIGHLY DISHONEST. I hope you can assist me in finding a resolution.

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 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient hold all my student loans. I have made arrangement for these loans to be paid of thru another entity " XXXX ''. I've received the payoff amount of all loans and the new entity sent a check with the full amount to Navient. Navinet failed to apply the money {$69000.00} and it is being held with them. To make the matter worse, they've reported that I've opened a new account line of credit with them for {$69000.00} and my credit score FICO plummeted 72 pint overnight. I have been trying to correct the situation with them with no avail. They keep switching me from one customer service to another and I get a different story every time. 
I am attaching a copy of the pay-off amount, the check that was sent to them and their online statement that shows the money being held with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
The company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: OR

Complaint narrative:
The company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
1. Submitted a Deed In Lieu Of Foreclosure to First Bank PR on XX/XX/XXXX. 
2. Received a tel. call from XXXX XXXX XXXX, Mitigation Dept., requesting ; revised application letter, evidence of health condition, certified evidence of income sources. All documents requested were sent from the Bank 's XXXX XXXX on XX/XX/XXXX. 
3. Sent a certified letter which was received by the Bank on XX/XX/XXXX requesting information of the status of my case. 
4. Spoke to XXXX XXXX on XX/XX/XXXX who indicated my case had been denied due to lack of documentation. 
5. Received letter indicating the aforementioned, signed by XXXX XXXX, dated XX/XX/XXXX. The letter indicated new requirements ; requesting letter, reason for arrears, tax returns, family income/expenses. 
6. Prrsonally met with XXXX XXXX on XX/XX/XXXX at which time I was informed the documents were complete and no additional information was required. I told her I would file a complaint due to the thier violation which regulate the process of mitigation. 
7. Bank acct # XXXX VA acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I purchased a new home. The escrow amount for taxes only included the land for the XX/XX/XXXX assessment. In XX/XX/XXXX the tax assessment included the value of the house that was built on the land and the land itself. This caused the tax bill to go from {$900.00} to {$9000.00}. This was fine I anticipated that the tax bill would jump, but I was given incorrect information by Cornerstone Home Lending, Inc. I  spoke to a customer service representative in XX/XX/XXXX and explained to the rep that the tax assessment in XX/XX/XXXX only included the value of the land and not the value of the land and the house, and therefore the tax bill would be significantly higher in XX/XX/XXXX. Because of this I requested that we recalculate the amount I was paying into escrow to ensure that we would have enough at the end of the year. The customer service rep ensured me that the escrow amount I was paying was enough and would be enough to cover the taxes at year end. This was incorrect and a very consequential error. My mortgage doubled in XX/XX/XXXX and this could have easily been avoided if the customer service rep would have either given me correct information or recalculated the escrow payments as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I requested my HSA funds from XXXX XXXX be transferred by check to my new PNC HSA account. However, XXXX sent the check to the wrong bank, XXXX XXXX. XXXX XXXX cashed a check that was not written to them as it was written to PNC BANK FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by XXXX XXXX. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and PNC refusing to do what the other two banks recommended. Essentially, XXXX XXXX has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by PNC. PNC is refusing to file the fraud form. XXXX are telling me I can't fill the forms out since the check was technically written to PNC and not me directly even though my name is also on the check as the FBO. PNC is telling me the funds are mine not theirs and refusing to file the form.Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time. Also attached is the fraud form PNC is currently refusing to fill out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received account closed notices on my XXXX XXXX 's XXXX account for two months consecutively. 

The first was XX/XX/XXXX he second was XX/XX/XXXX. The account is NOT closed. I have contacted the creditor and the credit bureau in reference to this matter and Transunion sent a notice to me with Remarks '' Account closed by XXXX ''. I have proof from XXXX XXXXs XXXX that the account is not, nor has it ever been closed. 

This has hurt my credit score tremendously.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, Missouri XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.

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 2019-04-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had opened a secure credit card in the amount of {$300.00} that I started with 5/3rd Bank back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX and XXXX  still will not remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I believe am fully eligible for PSLF, I have been with the same XXXX employer since XX/XX/XXXX and the program started XX/XX/XXXX AND I have been on income based repayment plans all this time too. I completed my application for PSLF in XX/XX/XXXX and I received a letter dated XX/XX/XXXX that states I am not fully eligible for discharge yet, and it is estimated that I will not be until XXXX. I am totally confused how I can be on income based repayment plans for the last 12 years and NOT be fully eligible for PSLF   yet. I am also confused on how two of my loans originated on the same date but have two different dates for estimated eligibility dates. PLEASE any suggestions or assistance you can provide will be greatly appreciated!!!! 

I also sent proof of name change and that has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I wrote to Portfolio Recovery Associates XXXX XXXX XXXX. XXXX XXXX, XXXX, VA XXXX to dispute an account they are trying to collect {$4500.00}. I asked the to provide " Validation '' of this account well within my rights for the Fair Debt Collection Practices Act. Portfolio Recovery Associates failed to provide me with proof this account was indeed mine. They only replied with an amount owed. On XX/XX/2019, I again attempted to have the company provide accurate verification and validation that the account was owed by myself. The company sent notice which was received on XX/XX/2019 that states they have answered my dispute previously and their company bought an electronic file with my personal information in it and are now attempting to collect on this account. This account is not mine, this company is now harassing me and it is also affecting my credit score which is causing harm to my personal finances. This is a violation of the fair credit reporting act, fair debt collection practices act and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Company
State: MD

Complaint narrative:
XXXX XXXX XXXX continues to call my home number. We receive so many scam, spam and fraud calls that we do not answer unless we know who it is or what it is about. This company leaves voice mail messages that they are calling about an attempt to collect a debt. Many people in this household listen to those messages which I'm pretty sure it's illegal for them to leave such messages that anyone in the household could screen. I personally told them that they are leaving messages that anyone in the household can hear and that no one knows about any debt that they are trying to collect and suggested they send a letter. They have not done so. We do not know who they are trying to contact or for what debt. 

After receiving another call today I called them again to tell them the same thing but I was continually interrupted by the person on the other end. So the person was told they were going to be reported. Couldn't say anything else because the person on the other end continuously interrupted. To our knowledge no correspondence has been received from this company. Their number has been blocked before. It appears they change numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Institutional Trust SVCS. Phone number XXXX has sent me erroneously codes 1099 Rs twice. I called and the sent the wrong form again. I called again and they said they would send out the correct forms on XX/XX/XXXX. I called back and they said they had not sent them. I need these 1099 Rs to file my taxes. I am running out of time to file on time. They 1099 Rs were coded as early withdrawals but I am XXXX so they should be coded as 1099 R 7, not coded as a 1 and a 2 like they were.

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