vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
On XX/XX/2019, we received a notice from Ditech, stating our escrow had a shortage of {$430.00}. Then, on XX/XX/2019, we received a very similar notice from Ditech, but not they stated that we had a {$1300.00} shortage, but not explaining how that changed. I carefully studied our escrow account, and created my own spreadsheet, to project the escrow balance moving forward, based on information obtained on our account on Ditech 's website. 
I was able to see that what Ditech was claiming as a shortfall in escrow was completely false, and simply fabricated. In fact, if the escrow amount remained at the then-current {$360.00}, the escrow balance would still not fall below {$440.00}, and I walked them through the math of each month, in my 3rd phone conversation with them. 
The 1st representative I spoke with ( in XXXX ), XXXX, was very rude, and argumentative, saying they were right in their assessment. The 2nd rep I spoke with ( in XXXX ), XXXX, stated a supervisor ( XXXX ) was not available, but she would contact me within a week. It never happened, and no changes were made to our account. The 3rd representative I spoke with ( on XX/XX/2019 ), XXXX, said she did not dispute the escrow balance information I gave her, and that my escrow could never be in the negative, as the claimed. Specifically, Ditech 's XX/XX/2019 statement claimed that on XX/XX/2019, our escrow was project to have a balance of - {$140.00}. Even XXXX admitted to me on the phone, that in actuality, on XX/XX/2019, our escrow balance was {$910.00}. Yet, she would not resolve the situation, and stated that the only thing she could do is request a re-evaluation of our escrow, which would take 8 business days. Now it is XX/XX/2019, and there are no changes to our online escrow balance, or billing amounts. Ditech began applying the incorrect, increased escrow amount of {$450.00} on our mortgage payment of XX/XX/2019. And since we are paying extra toward our principal  every month so we can slowly pay the mortgage of quicker, Ditech is actually robbing our principal payment by {$1000.00} annually, and causing us to pay undue interest, and prolong our payoff period. This is just not right.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I got this loan in XXXX this thinking it was a XXXX XXXX but it wasnt. I got this loan for {$90.00} and they broke it down in 4 payments to pay it back. So I made 1 payment in XXXX and 1 payment in beginning of XXXX, so I had one payment due at the end of XXXX which I had a problem with my bank at that time in the possible financial app there you can extend your payment to a later date which I did. By the middle of XXXX I contacted them by email to let them know what was my balance so I can send them a money order of my balance. So I sent them a money order of total balance due on XX/XX/XXXX. The following week I emailed them they told me they received my payment and that it was paid complete. They told me my account status was paid complete on time. Now on my credit report it shows 60 days late with a balance I try to contact them but no response. I have attached all emails that I had contact with then. 
Please fix this Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo insists on reporting information they know is false despite multiple requests. XXXX XXXX and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.

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 2019-08-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX insists on reporting information they know is false despite multiple requests. XXXX XXXX and Equifax report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score.  Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me. 
This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip. 

Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.

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 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX from the company called my husband 's phone on XX/XX/2019 and said she was calling from Receivables LLC and looking for me because I had applied to a job opportunity. She falsely represented herself. He asked XXXX what position did I apply for and she responded by saying it was a receivables position. She requested that my husband put me in contact with her. On XX/XX/2019, XXXX also went on my LinkedIn account and viewed my profile. They called my phone on XX/XX/2019 at XXXX pm, two times at XXXX pm, and XXXX pm. They called me on XXXX XXXX at XXXX am and XXXX am. They called me on XX/XX/XXXX at XXXX pm and XXXX pm. The communication tactics they are using are repeated phone calls. I asked them to stop the harassment calls, but they called me again on XX/XX/XXXX and the collection agency was abusive and kept talking over me. She also threatened to damage my credit by reporting the alleged debt to the credit bureaus. They are attempting to collect on behalf of XXXX for a debt not owed due to agreed upon balance with XXXX was paid in full with another collection agency. Now XXXX is asking for more money through this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. THE INQUIRIES LISTED IN THE FTC REPORT ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE CREDIT OR OTHER SERVICES IN MY NAME WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. THESE INQUIRIES ARE ASSOCIATED WITH SOMEONE ATTEMPTING TO RECEIVE CREDIT OR OTHER SERVICES IN MY NAME.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF XXXX XXXXT. THESE INQUIRIES ARE ASSOCIATED WITH SOMEONE ATTEMPTING TO RECEIVE CREDIT OR OTHER SERVICES IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: OR

Complaint narrative:
The Agents/Representatives/business doing business as Gregory Funding has been misrepresenting and demanding exorbitant fees/charges under the threat of foreclosure and a term called forbearance. 

Attached is evidence showing that this company has intentionally misrepresented my regular on time payments ; and applied shocking tactics under pressure to force compliance with demands for large sums of money, $ 21,000+ first ( paid XX/XX/2019 ) and now {$17000.00} under what they term delinquency and late payment. 

Further to this fact, they/ their collaborators have placed an advertising on a real estate service indicating my home is up for sale listed as a distress sale. I have been getting calls and mail for many months from individuals attempting to buy from me. 

Recently I read that XXXX XXXX County is a hotbed of white collar crime. This is a very good testimonial of that declaration. 

Examples of their targeting my financial situation : 01. Filing Erroneous Notices of Default 02.  Affidavit of how Gregory Funding has documented my payments 03. Affidavit from my bank proving Regular Payments 04. Them/their agent placing my home on real estate service as a distressed sale 05. Intentionally discounting my payments and listing them as delinquent 06. Multiple calls to force compliance with usurious forbearance contract ( s ). 
a. to my cellular phone ; b. to my aged parent phone to purchase my home at distressed sums ; 07. Evidence of the new demand for payment. 

I am requesting an investigation and remedys to correct/relieve this distressing wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Madison Management Services, LLC
State: MD

Complaint narrative:
Some company purchased note of my property of second lien. 
I had struggled financially and could not paid equity line and the note after almost a seven eight years was purchased by some one. 
They started threatening me to foreclose my property. Last year i have complained about them. They told me to apply for modification and they have added {$5300.00} of accrued interest and {$1400.00} in unpaid charges. making my principal go from {$47000.00} to {$54000.00} I have agreed to it thinking now i will have to pay $ XXXX monthly and they will be back off. 
Surprisingly, they came after me again after a year stating that forbearance agreement was only for a year and started threatening me again. Why i have agreed to pay them almost {$7000.00} in additionally. 
This is nothing but scam. This kind of practice must been stopped or looked. 
i am ready to pay whatever i have agreed to of {$250.00} a month for rest of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I have been making monthly payments for my installment loan from Net Credit. I am not behind on any payments. For the month of XXXX I was deducted two separate transactions of {$120.00} for XXXX onXX/XX/XXXX. I have been calling Net Credit since Saturday, XX/XX/XXXX with no avail. I have stayed on hold for over an hour and then call will then just drop off. No one ever picks us the telephone and I call multiple times a day. I have also sent an email to XXXX with no response. I call the customer service number XXXX as well as the collections number XXXX. I need to know why my account was deducted twice for the exact same amount and can not get any type of customer service response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with Equifax as my XXXX XXXX XXXX  was reporting a missed payment on XX/XX/2015 that I had paid. I submitted my bank statement showing proof that the payment was made. Equifax reported that the payments were verified as reported correctly. And my dispute was ignored, since my dispute the account is now being reported XXXX on my credit report which has caused my credit score to drop XXXX points. And I was denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Today, I was notified by email by " XXXX XXXX '' that my credit score fell to " bad credit '' ( from XXXX to XXXX ). I could see that they took the information from Transunion and reported it to me. I called Transunion to report the fact that my activity had not changed and should not warrant a drop to a " bad credit status ''. I also explained concern because two years ago I had posted fraud alerts with all major credit reporting due to identity theft. Transunion failed to address my concerns and said I needed to get " XXXX '' to explain the drop in score. I contacted XXXX via email and they said to contact Transunion. I have reached out every way I know how. There was NO interest in resolving my problem on the part of either company. I want the companies to explain how someone without any credit cards can have an abrupt change in credit score. Two years ago I closed every credit account I had to prevent further identity problems. I had an XXXX score before the identity theft. After I closed all accounts my score was about 600. Over the last two years the score climbed to XXXX. I made no changes during the two years. I made no changes recently and yet, today they reported my credit score dropped from XXXX to XXXX ( bad credit ). I worked hard all my life, mostly at two or three jobs at a time to make ends meet. I paid all my bills on time. I never made any mistakes. But I am being punished over and over with jolting " bad credit '' reports. If this is how a hardworking American is treated, there is something seriously wrong with these credit reporting companies. And as a Us Citizen, I am not being granted any information about what might be happening at these credit reporting companies. I am asking that the Consumer Financial Protection Bureau act on my behalf to correct this " bad credit '' report. I should be seen as a very good credit risk because I have always handled my credit responsibly, even when I had the identity theft two years ago. Please help. Thank you.

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 2019-08-06 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with XXXX as my XXXX XXXXXXXX XXXX was reporting a missed payment on XX/XX/2015 that I had paid. I submitted my bank statement showing proof that the payment was made. XXXX reported that the payments were verified as reported correctly. And my dispute was ignored, since my dispute the account is now being reported twice on my credit report which has caused my XXXX XXXX to drop XXXX points. And I was denied credit.

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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To Whom it May Concern, I had my mortgage with Ocwen loan services for over 7 years. While with them, I paid my Insurance and Taxes separerately which worked well. As usual, I paid the same for the rolling years XXXX. 

Earlier this year ( XX/XX/XXXX ), Ocwen was bought out by a company called PHH Mortgage, PHH automatically opened up an escrow account and denied me paying my insurance and Taxes separately. This has caused my mortgage to go up almost {$500.00}, When I contacted them multiple times they said I didnt qualify. It has also forced me into paying for already paid taxes and insurance ( Double pay ). 

Please help me, I can't afford the increase in Mortgage and I think its unfair for this company to just force me into escrow when I didnt sign anything with them and already agreed my way of payment with Ocwen. 

Above all, This new company has shown no effort whatsoever in helping me and seem not to care about my mortgage history. 

I really appreciate if you can help my out, I feel like a victim and feel exploited by PHH mortgage. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo recently regarding an account that they had been charing me {$150.00} per year for for the past XXXX years that I had never used. I have requested several times that they refund my money, no one has gotten back to me. I am formally requesting that my money for fees be refunded because the account was never actually used. I really never needed this account in the first place and Wells Fargo really pressured me into opening this acctount similar to the other people mentioned in this article XXXX : XXXX This was for a business line of credit. Please communicate with me in writing only do not call or record me. This was a business account, but I am a consumer I a have no idea why a business line of credit was ever even opened for me. Please refund. I am also represented by an attorney.

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Always have a XXXX business day hold on all deposit, today even put an account restriction with unknown reason and unknown resolution date. The account is just completely restricted, unable to pay my bills or anything like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation