vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
We just received our annual Escrow Account Disclosure Statement and we are concerned that LoanDepot is not accurately stating the status of our escrow account. Facts : - Beginning XX/XX/2018 our Escrow payment went from XXXX to XXXX an increase of XXXX - The new Escrow Disclosure Statement states we have a SHORTAGE in our Escrow account based on projected expenditures ( taxes and insurance ) because our new escrow payment beginning XXXX XX/XX/2018 is XXXX ( a reduction of XXXX ) but to JUSTIFY the SHORTAGE claim are adding a SHORTAGE escrow amount to the XXXX of XXXX for a total of XXXX ( a XXXX reduction to our original escrow payment of XXXX. 
We feel LoanDepot is attempting to cover up the OVERCHARGE of escrow from XX/XX/XXXXto XX/XX/2018 by CREATING an intentional shortage for the next year when in reality they did OVERCHAGE our account significantly. It looks like they are now attempting to cover it up by creating a payment schedule that makes it look like there is an actual shortage to the account when there would be a HUGE overage if the original escrow payment of XXXX remained in effect ( copies of the disclosure statement are enclosed ). They have even offered us an opportunity to pay-off this fabricated shortage by paying XXXX in advance which would keep our escrow payment at the new fabricated payment of XXXX. We believe this type of financial bookkeeping is not right and may not  be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 am Filing a complaint against Equifax, Equifax is reporting in accurate information on my credit report for XXXX that is not my bill this car was total lost and the car dealership is still reporting that I have the car the insurance company has paid them in full and this is affecting my credit score this case was bet in court I own them {$0.00} dollar on this car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: AR

Complaint narrative:
i am trying to move and the debt is hindering me from moving forward i do not owe debt to XXXX XXXX   XXXX XXXX i moved into the unit XX/XX/XXXX and moved out XX/XX/XXXX i sent in all supporting documents from vice president and management team even the rent payment stating my balance with XXXX XXXX   XXXX XXXX was a XXXX balance and I'm am still being harassed about the debt and its also still on on my credit report reporting from IQ DATA INTERNATIONAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Asked to have my escrow account turned over to me. letter dated XX/XX/XXXX said it was closed. Call Ditech at XXXX XXXX on XX/XX/XXXX to asked when I would get a check for my escrow balance and was told After XX/XX/XXXX. when they did a escrow review.Now TAXES ARE DUE in 3 mounths. since they closed my escrow made me responable for payment [ they do not have TO PAY ] they put me brech of contrart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I came to an settlement agreement with Franklin Collection Svcs on a debt that they purchased from XXXX XXXX XXXX. I did not have a contract with Franklin Collection Svcs therefore they shouldn't have been able to report negatively to the credit bureaus. To settle this matter we came to a settlement amount of XXXX. When I asked them to have the negative remarks removed, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have been sent multiple letters stating that I have an alleged debt from the Resurgent Capital services company. I have mailed a response to each letter stating that the debt is not mine nor have I ever had an account with the supposed company that Resurgent capital services is trying to collect for. I have never received any form of proof that the debt is mine nor have they provided the original documents proving that the debt is mine. I have mail more than 6 responses back to letters from them in the last several months and I want the company to leave me alone. I have told them to leave me cease and desist but the company keeps re sending letters stating that if I don't respond within 30 days they will have the right to reopen the debt collection. I wish for this company to stop all further communications with me and stop trying to collect on a debt that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On Monday XX/XX/2018 I received a voicemail from a XXXX XXXX XXXX from the " XXXX XXXX XXXX XXXX XXXX. '' He stated in the voicemail that I had 3 criminal charges pending against me and if I did not call him they would start criminal proceedings and have me arrested. I, not knowing what this about, called him back and left a voicemail message with my name and phone number asking that he return my call. This morning XX/XX/2018 at XXXX XXXX I got a return call from a XXXX XXXX XXXX " an attorney representing XXXX, '' stating that I had 3 criminal charges in the State of Texas for stealing money from a payday loan company. He would not tell me which company. He stated that within hours the police would be at my job to arrest me, my fines now were at {$5400.00} and that they would only grow if I didn't pay now before the police got involved. 
I asked again who was the original creditor and he refused to tell me except to say that XXXX represents a family of payday loan companies. Since I didn't offer to pay the money, I presume the policy are looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2018, attempted to close my business checking account at this institution via phone call. During the call, I was asked to verify the business address and provided the address for my business and the address used at the time of account opening in XX/XX/2018. Upon providing my address, rep informed me that address was incorrect. After a review of my statements ( which are received electronically ), noticed that at some point in XX/XX/XXXX or XX/XX/2018, this financial institution changed the address on my account, without authorization or notification. At no time did I make a request that the address on the account be modified or changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My home was damaged by Hurricane Harvey and Select Portfolio Servicing ( SPS ) has received significant insurance proceeds. The home has been completely restored in better condition than before storm ... all funded from my personal resources. All documents have been provided to include adjusters reports, contract for repairs, lien waivers, contract ( paid in full ), etc. County appraisal documents were submitted showing the value of the land alone is 3X the small amount owed. Inspections have been performed with with inaccurate completion representation and even with those inaccuracies the corresponding money is still not being released. The repairs are 100 % complete noted in recorded phone calls from weeks ago and still SPS delays in scheduling an inspection I assume for the sole purpose of delaying release of MY money. In addition to CFPB I am utilizing every contact known to me to initiate a Congressional Inquiry into SPS Servicing practices which will hopefully uncover a pattern of deceit and fraud. 

Attached are demands for inspection and release of money. The initial check to reimburse me for repairs took months to receive. I worry about those that don't have the resources to fund the repairs out-of-pocket. 

Additionally, I have attached a Qualified Written Response sent over 6 weeks ago for answers to very specific questions related to the servicing of my loan that SPS obviously chooses to ignore. I have received neither the confirmation of receipt letter ( 5 day requirement ) nor response ( 30 day requirement ). How is it these non-financial institutions can simply ignore legislative mandated regulatory requirements?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with Portfolio Recovery Associates for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. Portfolio Recovery Associates has never responded to a dispute, it has been pending since XX/XX/XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for Portfolio is  exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
1.The company is Wells Fargo Home Mortgage . I have tried many times to ask Wells Fargo to move my payment date from the first of the month to the XX/XX/XXXX of each month. I get paid on the XX/XX/XXXX of each month. They will not do this request and always charge me late fees. I do not believe this is fair. I WANT A CHECK FROM WELLS FARGO FOR ALL THE LATE FEES OVER THE LAST 4+ YEARS OF LATE FEES AND WANT THIS PAYMENT DATE TO BE CHANGED FROM THE XX/XX/XXXX OF EACH MONTH TO THE XX/XX/XXXX OF EACH MONTH. 

2. I was late in one mortgage payment due the fact that my checking and saving account was hacked into. I contacted Wells Fargo and set-up a plan to have the mortgage current. They said no problem. I paid the mortgage as agreed one day before the 30 days was up. They report this as 31 days past due and really hurt my credit rating. I have tried to refinance the house but can not get approved because of this on my credit report and how it dropped my credit score. I WANT THIS TAKEN OFF MY CREDIT REPORT. 

3.I have NOT sought out any legal involvement yet but if these matters are not resolved to my satisfaction I will seek legal representation and go after Wells Fargo and Wells Fargo will pay for my legal fees.

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 2018-07-17 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: The Bureaus, Inc.
State: GA

Complaint narrative:
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and  anything pertaining to XXXX XXXX be listed one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Our mortgage company, Amerihome Mortgage, created an escrow account that was unauthorized by us. At no time did we ever give any consent for them to create this account. We initially took out a mortgage with them over a year ago with no escrow account. We would like to file a complaint before considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: GA

Complaint narrative:
I sent out a Debt validation letter to PRA LLC on XX/XX/XXXX. They didnt VALIDATE ANY DEBT INSTEAD THEY SENT A DEBT VERIFICATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.

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 2018-07-17 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: United Check Recovery Bureau, Inc.
State: NC

Complaint narrative:
I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is United Check Recovery Bureau , Inc . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the United Check Recovery Bureau. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I had an existing mortgage with XXXX XXXX, who sold or transferred the mortgage to XXXX XXXX XXXX effective XX/XX/2018. I did not receive any payment instructions from XXXX XXXX XXXX until XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXX XXXX on XX/XX/XXXX. When I finally received information from XXXX XXXX XXXX, it showed that I still owed a XX/XX/XXXX payment, despite having already making the XX/XX/XXXX payment to the previous mortgagor, XXXX  XXXX. I provided three forms evidence of the XX/XX/XXXX payment to XXXX XXXX XXXX, showing both funds transferred from the originating bank and funds received by XXXX XXXX. XXXX XXXX has acknowledge that the XX/XX/XXXX payment was made, but has deliberately refused to adjust the account accordingly despite numerous calls and emails to their customer service. I have since made 2 additional payments directly to XXXX XXXX ; 1 for the XX/XX/XXXX1 payment ( which XXXX XXXX incorrectly applied to XX/XX/XXXX and another payment on XX/XX/XXXX, because XXXX XXXX still showed that the XX/XX/XXXX was pending and about to be late. I made the XX/XX/XXXX payment simply to avoid phone calls and threating letters for non-payment. In recognition of the three payments made for XX/XX/XXXX, XX/XX/XXXX, and the last on XX/XX/XXXX ( should be applied to XX/XX/XXXX payment ), the next payment due should be changed from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is deliberately ignoring my emails and calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
When I make a payment, they put pretty much all of my payment towards interests and barely any to principle which doesnt allow me to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX  took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. 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