vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
On aproxamatly XX/XX/2019 Ditech changed my account # from XXXX to XXXX at that same time I sent in a payment for more than the minimum amount which Dirtech failed to properly credit to my account they have both admitted the error and gave asurances that they would fix it and that many other customers were experiancing similar problems. I have called Ditech at least 10 to 12 times over the last 6 months to try to get them to do their job and fix their mistake with no success. Ditech continues to harass me with automated phone calls and coraspondance and have imposed severe penelties by increasing the minimum payments due and raising my interest rate. I have continued to make monthly payments in amounts more than the original minimum due at the time of the account # change. Ditech has recorded all the conversations as well as I have noteded the dates and who I spoke with. 

I have sent Ditech on two occations a Qualified Written Requist which they said they would respond to but they have failed to do so in spite of Ditech informing of dates that they would do so. At this point I feel that there is a high probablity that Ditech has violated both State and Fedreal statutes particulary the fair debt collection practices act. I  have also sent a letter with my last payment again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: WI

Complaint narrative:
Contacted 6 times regarding incorrect reporting. I have never received verification of account. Disputes just marked as closed without verification or correct updating.

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 2019-09-19 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: WI

Complaint narrative:
Contacted 6 times regarding incorrect reporting. I have never received verification of account. Disputes just marked as closed without verification or correct updating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: WI

Complaint narrative:
Have disputed this reporting with all 3 bureaus, XXXX, Tran Union and XXXX   after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in 2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
I resolved this issue with XXXX XXXX XXXX already and settled to pay around {$300.00} for a {$570.00} collection. My boyfriend had destroyed the phone and I ended up homeless for months afterwards and didn't pay it for quite some time. The company took my account number to my XXXX Bank account or XXXX XXXX ( I do not have this account any longer so I am unable to provide the statement since it's been a couple years ). They took the payment out and they agreed that it would be removed from my credit score. I went to dispute it because it showed up again on my credit report saying that I owed money once again, it disappeared finally, nowhere to be found for months so I figured that we were done with this situation, and once more it has reappeared on my credit as of XX/XX/XXXX which is significantly impacting my credit score at this point. It has been paid and it was supposed to be removed but it looks like the name of the company has changed as well. If I dispute it again, I want it removed from my credit like it was promised and I don't want it popping up again with a different company name. I will not be paying to settle it again since I have already paid the amount. I will also not be using XXXX XXXX XXXX ever again either because this has been such a huge hassle

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: WI

Complaint narrative:
Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX  after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: WI

Complaint narrative:
Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.

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 2019-09-19 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please 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 2019-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX with classes starting in XX/XX/XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. 

Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the {$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at the school, but they didn't do anything to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

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 2019-09-19 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: Caliber Home Loans, Inc.
State: KY

Complaint narrative:
I was contacted by Caliber Home Loans ( my existing Mortgage Company ) about refinancing to an FHA Streamline Mortgage, which I agreed to do. I had not yet made my XX/XX/2019 payment and was advised to not make that payment as I would pay that payment at closing. Closing was scheduled for XX/XX/2019, and I contacted my Mortgage company again to ensure that I didn't need to go ahead and make the payment. Again I was assured that the payment would wire and be paid before I was considered 30 days late. I paid my payment to the closer and the loan funded on XX/XX/2019. The payment posted on XX/XX/2019, causing my account to report as being 30 days past due on my credit report and my husband 's credit report ( XXXX XXXX ). I contacted Caliber today ( XX/XX/2019 ) to  request that this be removed from my credit bureau report as I was advised this would not be an issue and reassured on more than one occasion. The agent advised me that due to FCRA, they can not remove this negative reporting and that collections continued to contact us during this process. I advised that the collections department did call my husband and he advised we were in the process of refinancing and their only response was that they are unaware of the process that goes on related to refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like too see is if some of the old hard inquiries could be removed from my credit report

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 2019-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A fraudulent charge of {$55.00} appeared on my XX/XX/XXXXcredit card statement. It stated that I used my card at XXXX store # XXXX on XX/XX/XXXX to make a purchase. I reported the charge to Bank of America, and received a new card with a new number. When I first reported the fraudulent charge in XX/XX/XXXX, I did not provide receipts or any other proof. I received a letter from Bank of America dated XX/XX/XXXX, that my claim was denied. On XX/XX/XXXX, I was able to recover receipts from said date of XX/XX/XXXX that showed that I did not make the {$55.00} purchase. I then went to a local Bank of America branch and provided this proof, which they faxed to the appropriate department. A few days later, on XX/XX/XXXX, I received a letter stating my claim was resolved in my favor, and they would let me know if they needed any additional information. I never heard anything more, until XX/XX/XXXX, when I received another letter from Bank of America stating that my claim was denied again. Due to this conflicting information, I called Bank of America. I have made several phone calls and have been transferred to so many different customer service associates, most of whom are apologetic, some of whom agree that there was an egregious mistake on their end, but it still hasnt been resolved. I proceeded to contact corporate customer care, and submitted my issue by email. I was contacted by them within 2 business days, and had to repeat the same story to this person, who asked me many questions, and also told me I could try to resolve it with the merchant, or report it to a credit bureau. So I called the merchant and tried to resolve it with them, but was told it must be resolved with the bank. Meanwhile, the Bank of America associate said they would reopen the claim. When I called again yesterday to confirm this, I was put on hold and promised a return call but I was never called back. Bottom line is, I did not make this {$55.00} purchase. I have been a Bank of America credit card holder for 30 years.

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In the past I had an Elder Beerman credit card which I have not used since XX/XX/XXXX. Bonton took over the company. 
Between XX/XX/XXXX and XX/XX/XXXX I worked with a debt settlement company. The last thing I remember about paying a bill to you was sending a check and it was returned to me in the mail. I also tried to do an online payment and it didnt work. I didn't pursue it and my work moved to a different state. I also never received bills from you. 9 years later I received calls from a collection agency that wanted me to settle with cash or they would serve me legal court documents. They say they had served me papers which I never received. They called my office and even talked to my employees. They never sent me anything in writing. I didnt respond because their number was reported as a scam. 
Forward now to XX/XX/XXXX I now live in another state due to work. Another collection agency called my son who lives in another state and said that I needed to contact them or they would make a decision without me. I called yesterday and they said they sent me papers 38 days ago, which I never received, and they decided to be gracious and give me 24 hours to respond to an email. The email was asking for a settlement amount and I had to pay all with a credit card. They gave me no other options and called today saying my 24 hours was up. How am I supposed to know if they truly represent you and that they are not a scam? 
The last time I used my card was in XX/XX/XXXX, 14 years ago. 
In XX/XX/XXXX I tried to send your company an email regard this but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: FL

Complaint narrative:
I was surprised when saw 3 lateness on credit report. All of them are closed and paid in full with XXXX balance. Can you please remove these 3 accounts from Equifax credit report like have done already XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have previously filed a complaint with this organization for this exact matter, which was previously unresolved, due to lack of evidence, but wherein CFPB has decided to the contrary, implying I did, in fact, open such an account and owe the said " debt ''. 

I have an affidavit making it clear do not, have not, and never will apply for any line of credit, loan, or anything in the financial realm, online or electronically. I will not agree to such a contract unless it is in on paper, in writing, and my wet-ink signature is placed on it in agreement. 

I have been injured by this derogatory remark on my credit. I am now demanding it be removed immediately. 

I will ask again in this complaint, show me proof I have opened the said account, so that I can inspect the document, contract details, and my signature thereon, or there is no proof and thus no " debt '' owed by XXXX XXXX to the organization this complaint is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have attached a Complaint letter. 

This complaint is regarding the credit unions namely XXXX, XXXX  and XXXX. My identity was compromised in the year 2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of 2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My XXXX  report isnt updating my XXXX  XXXX account. Original acct number is XXXX. MCM acct number XXXX. On XX/XX/2019 I made payment of XXXX. XXXX a settlement. I have tried to dispute this also the dispute number isXXXX If you could please mark this current take out derogatory comment. Please dont close I read closed account can have negative impact on credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I went to a XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, MN XXXX ) about 2-3 months ago for getting my regular 6-month teeth clean. They offered for a XX/XX/XXXX which I said No because I don't need it. They advertised to me saying this is including with my insurance and its all free and covered. 

After I month I received a bill for the XX/XX/XXXX, when I called the XX/XX/XXXX clinic, they mentioned theXX/XX/XXXXwas not covered under my insurance so henceforth I need to pay. 
When I declined the charges, they moved my account to collection department who are threatening me that this is spoil my credit history if I don't pay.

Company response to consumer: Closed with explanation