vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
Ditech has continually been trying to switch me to a escrow account when I have always been non-escrow and I pay my hazard insurance and property taxes seperately. In addition to me paying my own property taxes and hazard insurance Ditech has been sending duplicate payments to both and charging my account for them. Currently my account shows that I owe {$4300.00} in escrow when its a non-escrow account! Furthermore it is ruining my credit rating. After many phone conversations with Ditech they mislead me into thinking that they resolved the situation but the situation remains. For the second time in XXXX months they have again paid off my hazard insurance and tell me that I owe them this money when I already paid my hazard insurance - the same for the property taxes. I work full time and find myself contacting them almost every day which is putting my job in jeapardy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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:
XXXX tu and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa transunion has XXXX up my report totally this need to be corrected right away

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 2017-10-20 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: TX

Complaint narrative:
XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. 

I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: GA

Complaint narrative:
I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates through their attorney XXXX XXXX XXXX XXXX filed a judgment against me after I filed a dispute with their attorney-XXXX XXXX with XXXX XXXX. After reviewing the filed court documents I believe that my rights were violated due to lack of documentarion & conflicting dates on the XXXX XXXX XXXX XXXX affidavit that XXXX of XXXX 's employee signed & certified. Also, their attorney advised me that I do n't have to appear in court because I 'm disputing the debt. I only want to verify/validate that this debt is truly mine & they have the right to collect. 
Attached is the letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: GA

Complaint narrative:
I have contacted the bureaus and consumables about these accounts on several acaccusation to apply to remove this accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A late fees & interest was charged by BoA for their failure to trigger Auto Pay. When asked the representative, I was told that fees were legit and ca n't be reversed. Its not the first time this has happened. I had a similar issue and had to pay the fees & interest but, now, I would not pay for bank 's system mistake.

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 monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: WA

Complaint narrative:
I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
During the week of XX/XX/2017 I contact BOA representatives both over the phone and at the branch to complain about the overdraft fees that were charged to my account intentionally. I complained that the mobile banking transactions that I see always show me that I have sufficient amount to cover my transactions. However, when I check again the same day or a day after, I notice that I was charged an overdraft fee, and the sequence of the transactions were reversed so that an overdraft fee is charged first before my transactions are settled. I also complained that for transactions that occur a week earlier, bank of america still shows it as " processing '' even though the transaction is reflected in my avaiable balance. I showed the representatives what I see on my mobile banking and they could not explain how I ended up with the overdraft fees. Instead I was told never to believe what I see on my mobile banking ; that rather I should always log in to my desktop or laptop to check my transactions. I also complained that bank of america has designed its algorithms so as to intensionally optimize its overdraft fees charges. I also asked why my checks were on hold for more than a week instead of making it available to cover my transactions. I was told that as a new client, my account must be opened for 90 days before my check can clear. So I asked why prior checks were not placed on hold and were cleared within a business day? No one both at the bank and on the phone could answer my quesiton. I have attached pictures of transactions from my mobile banking and how Bank of America intentionally withheld processing transactions until after it charged its overdraft fees. In less than a month, I have been charged almost {$300.00} in overdraft fees.

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 monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
I want them to send me all documents with my Actual signature on it and to REMOVE FROM MY CREDIT! DO NOT RESEND THE SAME DOCUMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: IL

Complaint narrative:
We had XXXX loan with XXXX sice XXXX, but in XXXX due to job loss, we had defaulted on payments and it took us almost 2 years to work out loan modification with XXXX lienholder XXXX as XXXX lienholder was in transfer almost every year. Last servicing we knew was XXXX XXXX XXXX XXXX where there was never alive representative on phone, and after lengthy hold times, our calls just got disconnected. Then in XXXX XXXX we found out that servicing was transferred to SN Servicing.  However, there was never a letter or notice sent to us to advise of such transfer. Moreover, we were not even sent monthly statements for last 3 years. 
We have been working hard to keep our home and were happy to workout payment with XXXX lienholder and have not been late for over a year now, but SN Servicing is not willing to compromise and accept settlement or workout. Our calls and faxes were ignored. We made a settlement request in XXXX XXXX but learned only in late XXXX that it was declined, no counter offer, nothing, except recent letter from attorney that states loan is in foreclosure now. Earlier today, XXXX XXXX, XXXX I was finally able to speak to XXXX XXXX at SN Servicing who just demands XXXX  XXXX to bring account current and is not willing to present my request for monthly payment arrangements to investor, she was rude, unprofessional, and once I demanded to record our conversation as she language was unacceptable, she just disconnected the call.

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 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/17 I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company XXXX XXXX XXXX in the amount of {$1000.00}. I do not have a signed contract nor any contract with XXXX, XXXX. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with XXXX, XXXX. This negative mark is affecting my credit score heavily. Please investigate this matter and remove this inaccurate information from my credit file with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted XXXX complaints already with only responses " We apologize and are sorry. Most recent complaint is XXXX. 
In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the not protected credit information. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I am paying my mortgage to Caliber Home Loans. I am a XXXX 's Hurricane '' XXXX Victim and was offered an special forbearance program by Caliber, where they allowed me not to pay rent for XXXX, XXXX and XXXX XXXX I could pay the escrow, it was fine if not no problem. I paid escrow for 2 months already. 
I am trying to do a refinance in my home. XXXX weeks ago I paid a car loan and a credit card, in order to get my XXXX XXXX little higher and get a better negotiation. 
my score was XXXX and today XXXX is XXXX. 
I checked all my reports with XXXX XXXX XXXX  XXXX XXXX and found out that I have Caliber homes as an adverse account.on all XXXX bureaus. 
talked to them and said that this is something I have to deal with the credit bureaus, not with them??? 
WHEN they offered me that program, I asked if that was going to affect my credit and was told no. 
I been receiving letters from their collection dept and called, just to make sure there was no problem and was told by XXXX people already that do not pay attention to that, because that was sent by a machine??. 
I do not know what else to do, but I feel that they are discriminating against us. 
I already filled a dispute with XXXX credit bureaus XXXX and XXXX XXXX. I probably will also file a complaint with the BBB IN XXXX. and XXXX I hope that you can help us with this situation. 
IAppreciate the attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.

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 2017-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX STILL HARASSING ME. ABOUT XXXX  XXXX OF XXXX ALABAMA HERE IN XXXX ALABAMA WHERE I LIVE. THEY ARE THREATENING TO TAKE LEGAL ACTION AGAINST ME. I LIVE WITH MY MOM AND DAD THEY HAVE PROBLEM TOO. IT BEEN 7 YEARS THEY ARE KEEPING ON WITH THIS XXXX. AND THIS WAS DATED BACK IN X/XX/15.THEY NEED TO LEAVE ME ALONE. I DO N'T IT TO GIVE. THANK YOU FOR LISTEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I received a credit alert. Upon checking, Midwest Recovery Systems added a collection to all XXXX credit bureaus with an open date of XXXX XXXX, XXXX. The collection is listed as XXXX XXXX XXXX in the amount of XXXX. 

I havent received any dunning notice or any debt validation regarding this debt. This company has not attempted to contact me. Instead, they place the collection on my credit report thus affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: HONOR FINANCE, LLC
State: FL

Complaint narrative:
I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for citi credit card. I was offered a XXXX XXXX XXXX balance transfer option, which I utilized. However, they are charging me XXXX XXXX XXXX on new purchases, even if I pay my new purchase balances on time.

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 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have purchased a shirt from XXXX {$340.00}, however the size was too small so I returned it. The store had struggles issuing a refund- took around 10 minutes and lady had problems scanning the receipt and the shirt although it had all the tags and model numbers matching. Eventually the refund was processed but never showed up. I kept a receipt just in case. Few weeks later still no credit, so I contacted Discover,  opened a claim and provided them with a copy of the receipt showing the refund is due and that it was never processed. Discover, accepted the claim reassuring that I am in good hands. Initial review resolved in your favor - that was the status. Few months later the balance seemed to be a bit strange, so I reviewed why. Then I found out that the transaction was posted quietly back to my account. I checked dispute section, and it says " After receiving the information, the transaction was found to be valid, and we will rebill your account ''. I contacted discover again asking to reopen the case, saying I did not get any credit, and if they claim to have mailed me something please requested for the copy of endorsed check. They understood the issue, and reopened 2nd review saying that they did request for the information. Today I logged into my account, and says 2nd review found the transaction to be valid. Basically, I returned the merchandise, kept copies of sales draft saying refund was processed and yet, I still Discover does not want to resolve this issue. Seems like there is some secret agreement between Discover and XXXX. I never had anything like this before, where after more than once clarifying the issue it would end up the same way. 

What is baffling is the fact that they are not directly addressing the issue. They claim the transaction was valid- which is obvious since I did purchase the item. So yes, the initial transaction is valid, but they are ignoring the fact that this claim is about a refund not received, and not a dispute about whether the initial transaction was fraudulent or not. Discover is willfully being difficult and obtrusive in the final outcome. And more glaring is them being insidious in how quiet and elusive they are in secreting my funds which i wholly deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
To whom it may concern : This company has been adding interest on an account that is closed. They have added interest every month since XX/XX/XXXX when the account was closed. 
XX/XX/XXXX- {$44.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$40.00} XX/XX/XXXX- {$40.00} Total= {$460.00} I called them when the account first was closed to see what to pay that was my only contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Wrote Experian a letter, and mailed it on XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.

Company response to consumer: Closed with explanation