vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: GA

Complaint narrative:
I was paying my mortgage payments regularly to Lender Live/ XXXX XXXX XXXX since 2015. I was dividing my payments into {$680.00} twice a month because it is easier for me to budget that way. All was going well until ( read on ) : XXXX XXXX and XXXX XXXX I made XXXX payments of XXXX and it was applied to XXXX XXXX. 
XXXX XXXX ( my bank sent out XXXX payments by mistake and said my payments were on automatic which they were not ) and XXXX XXXX - XXXX payments of XXXX were to be applied to XXXX XXXX XXXX XXXX and XXXX XXXX I paid payments of XXXX each to be applied to XXXX. 
In addition, on XXXX and XXXX I made additional payments of XXXX and designated exactly how these chould be divided to try to pay off a little bit of my loan early. 
One of my XXXX payments went directly to T+I and my XXXX went to T+I. I had to call them to ask them to apply them appropriately. The lady I spoke to said that never should have happened. The payment of XXXX was reapplied but again to XXXX which I had ALREADY paid. When this started happening, they promptly sold my loan to XXXX who is telling that I am arrears for a payment. 
I sent a registered letter to XXXX XXXX asking them to send me past statements ( which I can no longer access online ) so I could try to understand what had happened and they sent me XXXX sheet of paper with XXXX lines on it with T+I balances on it from XXXX and XXXX. They did not send me the statements. Luckily, feeling that something was amiss, I did happen to do a print screen for these months I am talking about but you can not tell that payments were sent to T+I. The error from XXXX is on there. 
I am tired of trying to deal with XXXX/Lender Live and I a tired of trying to tell XXXX that my payments were caught up with LenderLive and I should owe them NOTHING in arrears. These places are just too big for me!! 
I hope you can help. 
Thank You, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in XX/XX/XXXX even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? 
I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.

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 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was attempting to settle a debt with XXXX XXXX. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about six weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called XXXX XXXX to get a payoff. XXXX XXXX then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I believe I am being overlooked for compensation from being a victim of what Navy Federal Credit Union has done to an extrememly large number of their account holders. The following situations have occured multiple times : 1. Getting any source of available money ( large chunkes ) from my checkings or savings account to put on my credit card balance regardless of paying more than the monthly minimum payment, and having a great history doing so. That is now making my credit drop since it is a negative look, looking as if I could n't make the payment so the bank did. They did this will no warning what so ever and without my consent. 
2. Randomly freezing accounts with no warning and no reason as to why. 
3. Returning checks when I had more money available than the amount due for bills, resulting in a {$30.00} fee from Navy Federal. Also, making a red flag on my record due to the fact of giving the illusion that I am incapable of paying my bills. 
4. I was actually told by a representative they were going to be very helpful with any financial hardships, however they have completely made it worse for my family and I. 
5. When NFCU has been at fault and confronted, they act as if they have no idea what im talking about or I get hung up on mid-conversation. 
I was XXXX XXXX from the XXXX XXXX XXXX and are going through very hards times financially. Things they have done, have negatively affected my credit score. I 'm not sure how I am going to be able to pay for my auto insurance bill due to the fact that 2 months ago I paid for 2 months. I was just told today that XXXX of the checks bounced back, when I had more available money in my account than the due payment. Today I also just found out the bill that got bounced back was the result of NFCU transferring money from my checkings account to my credit card balance ( example of situation no. 1 ) without my knowing or consent. Now the insurance company is billing us for double the amount of my usual due payment. Navy Federal Credit Union has put my family and I in such a deep hole that I am afraid of not being to get out of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Credit Technologies, Inc.
State: LA

Complaint narrative:
Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
This debt was settled with a debt collection agency. The cc company XXXX XXXX has sold the debt to another collection agency. The new collection agency is trying to collect a debt.

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 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
all XXXX credit reporting bureaus are reporting wrong dates opened and wrong balances on my credit report. They are refusing to remove past collections, and unauthorized inquires. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My XXXX credit card was discharged in a bankruptcy XX/XX/XXXX.XXXX had the financial contract for the credit cards when I opened XXXX in XXXX. XXXX sold to capital one XX/XX/XXXX same year I went BK. Then Capital one sold XXXX credit XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX with no liens for creditors. 
Then Capital one started thru XXXX hounding me saying I had to return my secured debt. That XXXX XXXX had a statement saying everything on the credit card was a secured debt. Even through Nothing from XXXX was mentioned. Then I received receipts which were doctored. Not my signature not account numbers. It also had my grandfathers signature and not his account numbers on the receipts.My grandfather died XX/XX/XXXX but XXXX has all his account numbers. my grand father did not have a XXXX XXXX Card XX/XX/XXXX, XXXX gave me a receipt for a XXXX XXXX card number under his name XX/XX/XXXX. My grandfather opened a XXXX XXXX card XX/XX/XXXX and it was closed immediately because it was a fraud since he was in a XXXX home. My mother was Trustee. He bought my mother a dishwasher and computer XX/XX/XXXX Which he paid for except for {$100.00}. All the receipts are made up. Then they gave me a receipt for for a TV I bought XX/XX/XXXX on a 36 month which as paid. But it broke down XX/XX/XXXX and I had a XXXX warranty policy so they exchanged the Tv XX/XX/XXXX. They want the warranty money back say it is secured and the TV which was bought XX/XX/XXXX and paid not XXXX. I have the original receipt. They keep sending me letters and I keep telling them it is a fraud. Nothing was said in bankruptcy. No complaints. XXXX XXXX was my lawyer and was a recently retired trustee. XX/XX/XXXX Capital one started again and XXXX XXXX office had talked XXXX and then they started again. Capital one does not have the XXXX debt that was sold XXXX. XXXX said not right, ignore. I just got my credit back do not want it ruined. Can you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delbert Services
State: TX

Complaint narrative:
I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a western sky finance. I paid all my loan and then some to western sky and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collections agency medical bill {$68.00} was PAID in XX/XX/2012. Equifax still reports as unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. 

We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. 

I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. 

In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. 

XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
Multiple calls multiple times a day. I do not have debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech arbitrarily decided I had no homeowners ins. and added {$920.00} to my loan to acquire said ins. for me. I had homeowners ins. the whole time and sent several faxes to Ditech with proof. This added monies to my loan increased my house payment {$140.00} per month. I have called Ditech continuously with no results. I have paid the increased for 2 months now with the understanding that Ditech will report a late payment. I 'm given incorrect information continuously and assurances that they are " fixing the issue ''. To date Ditech as only called me back once, to ask me to pay my house payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I have asked Optimum Outcome to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i had equifax credit monitoring i cancelled it, since they refuse to send me my credit reportafter sending them my identfification information like social security printouts, id cards andcredit cards bills, medicare cards copies of all with my XXXX XXXX XXXX on the informationfor all documentsw sent including the irs document of identiy theft declaration. i have calledthem on a number given to me by the FTC answered questions that only i would know, ibeleive thier employees are involved in a fraud operation or doing identity theft to consumers other agncies there is no problem getting my report, it has been 14 monthsand a total of XXXX spent trying to get my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My identity was stolen in 2009 and this account, along with a few others, was opened. From what I can see on credit report, the family member who stole my identity was making payments on the account until he was put in jail. I have not benefited from this account nor have I used it. I would like the account removed from my credit bureau 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