vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I made a claim to my insurance company for damages to my property during hurricane season. My mortgage company, Ditech, held the insurance check for processing and releasing of funds. After funds were processed Ditech sent a check to me so that I could pay my contractor. The check was issued for {$40000.00}. On monday, XX/XX/XXXX, I deposited the check in my bank account and advised the contractor the money was ready to start the job ( re-roofing ). I gave my contractor two personal checks for partial the amount and the job started. A few days later, I go into my bank account online and find out that the mortgage company had put a stop payment to the check. Not a phone call, not a letter nothing from Ditech, advising me that they were going to hold the funds. I contacted Ditech and was told that the reason they held the {$40000.00} check is that they were filing for bankruptcy chapter XXXX, and they were court mandated to freeze all their assets. I explained to Ditech, that there were outstanding checks written by me for the contractors and they would bounce because they stopped the payment on the insurance check. Now I am facing legal action from my contractor for non-payment and overdraft check fees for the bounced checks. Ditech told me the best they can do is issue another check since my financial institution would not redeposit the insurance check. I asked Ditech for a letter explaining the situation so I can show my contractors what the issue is, and Ditech refused to send me a written explanation of the problem, stating that is it not company policy to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC
State: VA

Complaint narrative:
I received a call regarding a balance ( {$140.00} ) on a payday loan from XXXX XXXX. I advised I did not take out a loan with XXXX XXXX for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( D2M ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: IL

Complaint narrative:
My credit report has been mixed up with my XXXX  and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both experian and XXXX havent been able to do anything. XXXX theres still has inquiries that aren't mine, and a reported closed account, not mine either. Experian has a account thats not mine on their report and another closed account.

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 2019-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NM

Complaint narrative:
I took out a {$300.00} loan with XXXX last XXXX due to financial hardship. Since then I have paid {$910.00}, apparently all interest. I decided to pay off my loan early and went on the company 's website to see what my payoff amount would be. I was shocked to find that I would still owe them {$570.00}. That would be total payments of {$1400.00} on a {$300.00} loan for a five-month loan. {$1100.00} in interest ( I'm no math whiz but that's something like a 700 % APR. I don't understand why this is legal. It should be made illegal at the Federal level.

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 2019-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one on XX/XX/19 sent me a letter stating that they credited my credit card account XXXX but they still charging me the XXXX because they have gave me a credit of XXXX in the begging when I first made the dispute so when merchant put the XXXX in the capital one credit account they were suppose to retrac the credit they gave me and replace it with XXXX the merchant paid back and not charge me the credit they gave because it was already paid back to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have financed 5 previous XXXX leases. I have never missed a payment. I decided on XX/XX/2019 to purchase my latest lease. Not only had I paid the lease in full, I had overpaid by {$2000.00} dollars. I am XXXX  years of age and have a credit score Over 800. I received a letter from XXXX  stating they could not approve the request for credit as they could not verify my employment. As a result I had to take a loan with a high interest rate. I have the same employment and income I had for the last 4 leases. The application was with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX. Phone XXXX. This is age discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: OH

Complaint narrative:
This is the third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be visavis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXX the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
When I checked my state of Michigan refund status 2 days ago it stated that my refund was offset by a third party and my refund went from {$1200.00} down to {$300.00}. So I contacted the state refund number and was referring to the collections who I was able to speak to yesterday XX/XX/XXXX. When I asked who was taking my refund they informed me that it would be going to Midland Funding because they were able to get a judgement from the XXXX district court in XXXX, MI back in XX/XX/XXXX. I don't know this company for one and secondly I was never notified of any lawsuit or court dates or anything necessary in order to appear in court to defend myself. I don't understand how this company can get away with this. I have filed complaints with Michigan Attorney Generals office and Michigan Tax Payer Advocate on XX/XX/XXXX. Before this I was told I could try to file a motion to set aside judgement but I may not get a court date before my refund is released to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: FL

Complaint narrative:
in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX 2018.The information is incorrect. I sold the car on XX/XX//2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

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 2019-02-14 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:
in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX XXXX.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: GA

Complaint narrative:
Dear CFPB, I am a loyal Discover Card Holder since XXXX. Within the last 5 years, I have started a family and purchased a house. So daycare, mortgage, and home maintenance expenses have been the highest expenditures every month. To make ends meet after emergency room visits or storm damage deductible/repair bills I have for the first time in life needed to carry a balance over from month to month. 

This past year was bad ( for me ) and I carried a balance for 10 months straight but finally got a family loan to help me stop the interest charge on our Discover card. The fine print on our monthly statement reads : " Paying Interest : ... We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account. " I had a balance of {$6000.00} from only " Purchases '' on my XXXX bill and over paid XXXX. ( Full disclosure : I still have automatic monthly payments happening on the CC like insurance and cell phone, so there is always a balance ). Then on my XXXX statement I was charged interest of {$41.00}. When I called Discover to ask about the interest, even though I paid over, the representative then told me only if I pay off the total balance 2 months in a row does the interest stop. THIS should be the language on the statement. It is misleading and predatory. 

I asked them to please help me out with the interest so I can start XXXX off interest free. They did remove the charge but the language needs to be changed on the statement. 

I love Discover and the only reason I make this complaint is I want them to be the best credit card out there competitive with XXXX. 

Please address this with Discover because others who are not so lucky to pay off a balance with a family loan will be stuck in this interest trap for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: SC

Complaint narrative:
I disputed with Experian on the XXXX, XXXX, and currently the XXXX of XX/XX/XXXX. In my disputes I notified Experian that the accounts that they are allowing the furnisher to report is time-barred ( 3-4 years for the state of South Carolina ) as these accounts are showing delinquent since XX/XX/XXXX and XX/XX/XXXX and must be deleted immediately. Instead of deleting the accounts immediately, ( XXXX XXXX XXXX and XXXX XXXX XXXX ) they allowed the furnishers to update the account which all they did is update the report dates. For XXXX XXXX XXXX, they allowed them to update the balance but I put in a new dispute stating this account was time-barred as well and they completely ingnored the disputed and continue to allow this account to be reported which is a violation of the FCRA. They also failed to do in investigation on XXXX XXXX XXXX as I disputed that I have no knowledge of this account.

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 2019-02-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech Financial LLC. put a lien on our mortgage and we didn't know it was on there until we were selling our home. Plus, the lien is over 10 years old and The original holder been out of business for over 5 years. When we sold our home Ditech Financial LLC., took out money from the sell. We then went to our lawyer and they told us to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX overcharged me 4 times in 4 months in the amount of {$99.00} each time in the total of amount of {$390.00} for prepaid services. 
They are charging me {$180.00} for something that I am not aware of. I Tried countless times to resolve this matter but their response every single time was their billing system is faultless. 
This account is from XX/XX/XXXX and since then we've been trying to fix it. They re-opened the account in XX/XX/XXXX leaving a derogatory mark on my credit report of an unpaid account. 
I do not owe this debt. Would like them to take out the derogatory mark on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the account.

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 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have an open complaint. # XXXX against wells fargo. my account was illegally accessed and drained of all funds. I was never notified due to the fact I was incarcerated. therefore I could not notify the bank of errors. when I did notify the bank they returned the debit accounts but not those taken from my checking account. which is XXXX. they claimed I should have notified them earlier, which I couldn't because I was incarcerated and did not receive statements from the bank. even though they knew I was no longer at the address listed. the account should have been frozen instead they let it be drained please help me get my money. wells fargo is a joke and hold no accountability. thank you XXXX XXXX attn all documents are on file with my above mentioned claim #

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 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet payments known as campus commerce or student loan servicer is holding me responsible for {$290.00} monthly payments, as of XX/XX/XXXX on a balance term total of : {$1700.00} for the Fall XXXX semester. I made a down-payment with non-refundable processing fee on XX/XX/XXXX and one payment of {$290.00} on XX/XX/XXXX. I can not afford such large repayment ( s ), and I've let both the XXXX, ( XXXX XXXX College ) Campus : Students Accounts Office and Nelnet repayment plan offices understand this. I currently am in a student loan deferment to postpone payments until XX/XX/XXXX with NELNET, making many attempts to express of my inability to make any more payments. Senior Administrators at XXXX XXXX College recognize my hard work and persistence and commitment earning a semester average grade point that meets or exceeds 3.50. The XXXX College has also accepted my Intent to Graduate Application as of XX/XX/XXXX with graduation commencement on XX/XX/XXXX, but have put holds on mailing my Diploma. until payment of {$1100.00}, is received. With a still remaining Term balance amount of {$1100.00} for the Fall XXXX Semester, I've run out of explanation of how to get repayment to their offices, knowing I can not meet their demands for payment, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: AES/PHEAA
State: VA

Complaint narrative:
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX  XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX   . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.

Company response to consumer: Closed with explanation