vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I have reciepts for all payments made for the following year XX/XX/XXXX to XX/XX/XXXX and the ditech paperwork doesn't correspond to my money orders. they cashed money orders that were not intended for them and caused my insurance to laps so i had to get my own. thats around the same time when they filed for bankruptcy now all of a sudden they say i owe them more money than i was supposed to pay. my account is a set account to never change. now i get a statement saying my payments have changed. i have my own accurate records and am paying my payments continuosly. i have never missed any payments since i purchased the home in XX/XX/XXXX. when ditech filed bankrupcy in XX/XX/XXXX. i  have been trying to resolve this problem for the entire year. but, They refuse to work with me or even refund all of the insurance payments that i payed. i have proof of all my payments. please help me to resolve this issue. their records do not match reciepts that i have sent and even the billing statements that they have sent me dont match. they even went as far as cashing money orders that did not belong to them they were intended for the insurance part of the loan. i have all money orders and paperwork to prove that i that i am in the right and can provide proof. the money orders were cashed but not applied to my account or the insurance payments there are a total of seven money orders that are missing in action and not accounted for all money orders were XXXX and under were intended for the insurance payment to XXXX XXXX XXXX XXXX XXXX they never received the money orders. i dont understand how they messed up my account. and how i am at fault and i feel that they have made a very big mistake. i also feel they are trying to scam me thinking that i dont have the proof proof.. i have everything needed to prove that i am in the right. i would like to know what i can do to correct this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have excellent credit and had this OLD secured credit card from capital one. I decicded to close it over two months ago. They assured me they would refund the secured payment of {$500.00}. Two months later it is still not refunded. Today I called and talked to Capital One ( call recorded for review if you need it ). They are saying that a refund will be issued in two more billing cycles because " the account was under investigation ''. There is nothing to investigate, there has been not transactions for over a year. They are just holding on to a secured deposit and this is a crime or in the least a fraud. I want this company investigated. I am releasing the audio recording to the media as well as filing complaints everyone including with the US Secret Service. Someone in management needs to competently respond to this. Regarding account ending in XXXX. As you can see in attached screenshot from their website it says it was refunded on XX/XX/09. I talked to XXXX on Fraud Protection and talked XXXX who refused his last name but gave an ID XXXX a manager at Capital One. He refused to discuss further as he said he can not authorize further recording of the call, yet he said they were recording call. What a joke of a company that is committing a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: ID

Complaint narrative:
My loan was sold to Flagstar in XX/XX/XXXX. Prior to that, I was working on a loan modification/loss mitigation with my previous lender. They sold it to Flagstar in XXXX, and my house was put up for auction XX/XX/XXXX. I had to come up with XXXX to pay within 10 days or I was going to lose my house. I came up with that money with borrowing it from my friends parents. In XX/XX/XXXX, Flagstar rejected our payment from our bill pay with our bank. We had no idea until a month later when we received our statement. They couldn't tell us why they rejected it. This caused us to be 30 days behind. Since we only got paid on the 12th and the 27th of the month, our payment was now consistently 28 days late. Even though we weren't technically 30 days late, they sent an inspector out to inspect our home and charged us for it. They have done this 3 times! We weren't even 30 days late, and they're preparing our home for foreclosure! It has taken me 3 months to get someone to respond to the charges and tell me what they were for. At first they said it was negative escrow. Then it was they didn't know. They transferred me multiple times to the same dept that " couldn't help me '' until eventually I gave up. I've requested a detailed billing of the foreclosure charges. They have yet to supply me. If I don't pay right on the XXXX of the month, they call me excessively and leave messages. When i call to find out the status of my Loss Mitigation, no one is ever available to help me in that dept. Instead, they harass me about when I'm going to pay my bill. 
My Loss Mitigation paperwork has been on file with them for about 5-6 months, and I have yet to hear anything about it. I call, and they always need something else that was never requested before. I really feel like they are playing this out till my home forecloses. They know that I am recently divorced, and my income is limited.

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 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I NEED HELP WITH THIS. THIS IS GOING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. PLUS, I've never received the disclosures and required documents that I have requested for months now. I circled the internet and I came across the case attached where the plaintiff asked for the same thing and the company named failed to provide. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have not received any notification of this medical debt. I just appeared on my credit profile. According the the FDCPA, I have to have received notice and an opportunity to dispute account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I NEED HELP PLEASE! I have BEEN TRYING FOR MONTHS NOW! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe in ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I disputed a debt from a collection agency Aldous & Associates ; They keep trying to collect a debt I do not owe, they sent me paperwork from my gym with some scribble and said I owed this debt.. I contacted the original creditor XXXX XXXX and as far as I know the problem was fixed. I think a gym staff scribbled my name on a contract, I told Aldous & Assoc numerous time via phone that I would not pay this false debt. Their customer service person was rude and yelled at me to pay my debts. I mage a complaint with the XXXX and the FTC and Utah state atty gen office. no matter what I responded to them through the XXXX   they will not accept anything else but for me to pay. I notice they have numerous complaints with the XXXX   about Aldous & Assoc with similar circumstances. Now they have sent my debt to the credit reporting bureaus which has damaged my credit score. I have found through XXXX there a several legal agencies that specialize in cases against Aldous & Assoc. I have documents i attaching from the XXXX. Utah atty gen office and XXXX XXXX my current bill which I have XXXX balance and in good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
PLEASE HELP ME UNDERSTAND THIS! THEY'VE FAILED TO PROVIDE ME DETAIL REQUIRED DOCUMENTS THAT I'VE ASKED FOR MONTHS NOW! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC
State: PA

Complaint narrative:
I have received numerous letters in the mail, along with phone calls, from a company called Certegy Payment Solutions , LLC, out of XXXX FL, since XX/XX/XXXX, requesting collection of two unpaid amounts to XXXX XXXX, for web services. They continue to harass via phone and mailings. I have checked my account statements and GoDaddy.com account, and the payments were auto-drafted on the stated dates, XX/XX/XXXX and XXXX, XXXX. 
I have had XXXX services since XXXX, and have my payments auto-drafted from my account. On XX/XX/XXXX, I contacted the billing department of XXXX to get further information on the issue. Billing stated they do not send out any debts to collections agencies, only terminate accounts when unpaid. I was informed, companies like this steal information from websites and create false paperwork to fool people into sending in money without any investigation into the matter. 
This is a scam and disregard all mailings and calls. I have asked them to stop via mail and phone three times, but they continue to harass with false information, using my bank name and XXXX within their mailings and phone calls. On XX/XX/XXXX, Certegy Payment Solutions attempted another phone call and I was able to speak to one of their representatives, who was requesting my full social security number. 
I have full proof of full and proper payments for XXXX services and this is a terrible and deceitful scam to consumers.

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 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bryant, Hodge & Associates LLC
State: OR

Complaint narrative:
Repeated phone calls about an " account '' that does not exist. I researched the company, and this is a consistent experience for others as well. Calls from dummy phone numbers in other states

Company response to consumer: Untimely response
Consumer complaint received 2020-01-07 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: AA

Complaint narrative:
I have spent the past 9 months trying to have equifax understand that I NEVER REQUESTED for a fraud alert to be entered on my credit report. I have three letters with the requieres proof of identity and address telling them to remove the fraud alert. I have spent hours on the phone in three different occasions telling them that I never asked or authorize for a fraud alert to be placed on my credit report. A collection agency sent the request and listed a XXXX area code phone number that shes not belong to me. At this point I have spent over 15 hours trying to deal with this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is follow up for complain XXXX Bank of America has NOT address my concern and give me any update before close the complaint. 

Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS - it charge my interest about {$54.00} again on XX/XX/XXXX ; - it mentioned that I use `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS it mentioned that I used `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. Please provide evidence that I used `minimum payment` for the automatic payment THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company promised me in the phone call, that they will : - refund all my interest charge ; - fix the auto pay settings. Obviously it is not true, as I was charged interest of {$54.00} dollar again on XX/XX/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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: WV

Complaint narrative:
I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, the party injured, have made 2 attempts to have Experian verify the debts that are appearing as negative marks on my credit report. I sent the first letter on XXXX XXXX, 2019, The response did not satisfy the FDCPA requirement. I proceeded to give them an opportunity to cure by sending a 2nd notice on XX/XX/2019. The response was the same, a violation of the FDCPA. There are a total of 3 negative marks on the report that were not properly verified. No copy of the signed agreement, nothing was provided.

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX EST I called Citi and tried to redeem my " ThankYou '' points for travel. The flight I requested to book was not available. To remedy this, the agent suggested that I book directly with the airline, in my case XXXX, and then could use my ThankYou points to offset the charge. After the agent explained, I clarified that the points could be used at the XXXX cent value advertised in the booking platform. The agent confirmed, and I booked a ticket with XXXX. On XX/XX/XXXX at XXXX EST I called Citi to redeem my miles against my now posted XXXX charge. Citi informed me that this is not possible, and I was misinformed. I asked to speak with someone that could triage this, as I felt as a new customer the agents suggestion should be honored. The agent told me that he sent an email to his managers, and I could expect a call back in 1-2 days. No call back was given. On XXXX at XXXX EST I called into Citi again, this time to tell them I was expecting a call back that never occurred. I was transferred to a manger. The manager told me he would personally follow up on Monday, XXXX XXXX after " looking into the issue. '' No call back was received.

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