vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
I received a letter from Ditech Financial LLC stating : " This is a legally required notice. We are sending this notice because you are behind on your mortgage payment. We want to notify you of possible ways to to avoid losing your home. We have a right to invoke foreclosure based on the terms of your mortgage contract. '' The letter continued on with the options BUT the reason this is an issue is that I have made the final mortgage payment. I obtained a payoff quote on XX/XX/2019 stating the amount of the payoff on the account was {$460.00}. I was informed the funds needed to be certified and sent to the payoff address instead of the regular payment processing. I obtained a money order from XXXX XXXX in the amount of {$460.00} dated XX/XX/2019. I then mailed the payoff quote and money order to : Ditech DEPT CH XXXX XXXX XXXX, XXXX through my local post office with tracking. Tracking # XXXX which was said to be delivered on XX/XX/2019. On XX/XX/XXXX I called Ditech and spoke with XXXX ext. # XXXX to ask why I still had a balance on my account that was showing past due {$460.00}. She informed me that my payoff check had indeed been received and was processed on XX/XX/XXXX but that their computers were being upgraded so that nothing was showing as to the account being cleared and paid off. She told me to call back in a wee and it would be taken care of by then. So I then looked at my account on XX/XX/2019, a week later and the balance was now showing {$690.00} past due. I again called Ditech and the person I spoke to didn't give me her name. I explained the whole situation again and asked how can I have an increase in balance a week later when the payoff amount would be the TOTAL due on the account and nothing more. I can't owe more than what the payoff amount is. She told me the system is updating and I just need to be patient and there is nothing she can do. I told her that now its saying past due which is being reported on my credit as late payments and she said again there is nothing she can do because the system is updating and it will get fixed when it gets fixed. I informed her they can't do this and my credit is being affected and I will be getting a hold of a lawyer and she hung up on me. I have all the documentation of when the check was received and the exact payoff letter. I can not be in foreclosure if they would process things in a timely manner. Basically the money is there but not applied to my account and they are adding on more payments even though they can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CA

Complaint narrative:
The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, ACC # XXXX, Date Opened XXXX XXXX XXXX , ACC # XXXX, Date Opened XX/XX/XXXX. XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX Prosper Market place in, ACC # XXXX, Date Opened XX/XX/XXXX CAP XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review

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 2019-04-04 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: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
This account has a zero balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with Kentucky XXXX XXXX when I don't have any active contracts with this company. There is a zero balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NM

Complaint narrative:
I previously disputed this debt prior to XXXX of 2018 and it was removed from my credit report. I checked my report and see it is being reported again by DRS. This debt is old annd I have received no notification that the account was sent to an outside collection agency in the first place. This collection agency and the original creditor XXXX are in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: MO

Complaint narrative:
Complaint against credit bureau Experian & XXXX. 

I sent 4 letters for them to verify accounts that were reporting to my credit report. I asked for them to mail me a copy of the paperwork with my signature to validate the account was mine. They received all four my letters, and responded back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That they " updated '' & verified the accounts are mine without showing me any proof. On XX/XX/XXXX they sent a letter stating " Unless you send us additional relevant information to support your claim, we will not reinvestigate this information again. '' How can I so support to my claim on accounts that aren't mine? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract. They never sent physical verification. 

Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

My next step is to take them to small claims count and sue. Send letters and paying for shipping cost me money, and time!

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 2019-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I received a letter that I would have a tax shortage in XXXX. The lender indicated I could pay the shortage or have a new monthly payment amount. I returned the letter with the included slip paying the tax shortage to keep my mortgage payment about the same. What the slip said it would be. I include a photo of this document. The company XXXX XXXX decided to take my tax shortage payment and apply it to my principal. I have paid the amount indicated for my mortgage every month since XX/XX/XXXX. However since they applied this to my principal my monthly mortgage increased to cover the tax shortage. I continue to pay what it should be and they refuse to fix the problem they created by applying the tax shortage to the principle. So essentially according to them my payment is approximately {$400.00} short every month I have repeatedly called and explained this to customer service. Each time I call they say they recognize the problem and its being fixed meanwhile they keep dinging my credit score and do not fix there mistake. Managers keep telling me that my credit will be fixed once they fix the problem but they have yet to fix the problem. Each time I call a manager says they will get the problem fixed and return my phone call and they never do and I end up calling again a few days later and explaining the whole situation to several people in customer service before I get to another manager who then repeats the same process and never follows through with it. My credit score has called 120 points because of this mistake by 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 2019-04-04 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: CA

Complaint narrative:
The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX , ACC # XXXX, Date Opened XX/XX/XXXX. XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review

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 2019-04-04 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: CA

Complaint narrative:
XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.

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 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
BBVA Compass Bank Violations of H.R. 1261 Overdraft Protection Act of 2013 SEC. 4 FAIR MARKETING AND PROVISION OF OVERDRAFT COVERAGE PROGRAMS. SS 140 B. Overdraft coverage program disclosures and consumer protection ( c ) Each depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sales transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. [ I, the consumer, never gave consent to overdraft protection nor was given opportunity to opt-in or not. ] ( d ) ( 1 ) ( A ) CONSUMER DISCLOSURES. - Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution- that- the consumer may be charged for not more than one overdraft coverage fee in any calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account ; [ I, the consumer, have been charged 16 times in 2 months! Even if I did consent, they are exceedingly over their limit.that they can charge per one account. ] There are many more violations. However, I will stop there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has a XXXX balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX   balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # 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 2019-04-04 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: FL

Complaint narrative:
This account has a XXXX balance and was paid to Dept of Education via Federal Income Tax Return being garnished in  XX/XX/2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: FL

Complaint narrative:
This account has a zero balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a zero balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # 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 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is what I consider to be a 'follow up ' to a complaint I previously submitted and it is regarding the " Price Rewind '' benefit for XXXX/Citi Visa cardholders. 

Basically, if I find a lower price on something that I purchased with my XXXX Visa card, Citi will refund me the difference. Of course, there are a number of exclusions but I am mainly concerned with this one :  " The lower-priced item is a going-out-of-business sale item or from an internet auction site. '' As I pointed out in my previous complaint, I would not expect Citi to honor a Price Rewind from an actual 'auction ' type transaction. In my case, I had purchased a computer monitor from XXXX, and later found the same exact monitor at XXXX XXXX XXXX store for {$70.00} cheaper. If you refer to the attached document for details you can see that XXXX sold at least 253 of these monitors at the fixed price of {$790.00}. 

This was not an auction. It was a simple transaction much like purchasing an item from XXXX via one of their vendors. Fixed price, full warranty, return policy, and more than one of the items. 

Citi actually did honor the two Price Rewinds, calling it a one-time courtesy but they basically blew me off and never addressed the root of my complaint - XXXX  is not just an auction site. 

Afterwards, I was given the opportunity to provide additional feedback and I later received the attached letter from Ms XXXX in response. 

In reading the letter, I felt like she never really looked at my complaint. I had clearly covered the items in her response in my complaint, yet she chose to ignore them. This is a direct quote from her letter : " Based on the underlying nature of XXXX, customers generally have to bid on products in order to purchase them. Because all of the prices on XXXX are not fixed, we do not accept the lower price. Thus, we consider XXXX and similar sites to be auction sites. '' It is my understanding that each " Price Rewind '' is actually assigned to a 'claims agent '. It would be very easy for an agent to see that buying something from an XXXX store, such as XXXX, is not an auction. I believe Citi is being disingenuous in their interpretation of their 'auction site ' exclusion to avoid having to pay out on these Price Rewind claims.

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 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi Bank Chat Dose not Work Citi Bank chat support worked 3 months and Now i can type in chat box until CITI BANK chat conects then I can no longer type words the CITI CHAT agent asks are you still there and CHAT WORKER close the Chat session becuse I cant Respond Im XXXX and dont use a Phone Citi Bank has no Online Email Writing this Complaignt im on Hold and Hour and never can talk to CITI BANK Support Im often a XXXX  living in a Forign country and the Only way to call and American Bank is With a International Long distance CELL Phone cost about {$4000.00} a Year CALLING from another Country CITI BANK puts me on hold 2 hours Could COST Hundreds of Dollers Per Phone Call I Lived in XXXX XXXX XXXX and opened and American CITI BANK acount and sucesfully USED my CITI BANK ATM CARD fore about 6 months then my 1st time Using CITI chat FROZE my acount and said call citi bank two Reopen acount and CITI Bank i plan two buy a house and close citi bank account by linking my other bank = citi bank should only be able two send money two my other bank i explian two citi bank phone support tranfer me two a supervisor im on hold a long time and eventually hang up and call citi bank agin IM VERRY UNHAPPY THAT CITI BANK CAN TAKE MONEY OUT OF MY OTHER BANK I should Log Into My Other BANK and SEND MONEY to CITI BANK from my other BANK

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 2019-04-04 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: CA

Complaint narrative:
XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO FINANCIAL HARDSHIP, I NOW HAVING TO TAKE CARE OF MY ILL DAUGHTER AND MY CURRENT FIGHT WITH XXXX AT AGE XXXX. I WS DENIED FOR HELP PER MY SERVICER " THE OWNER OF MY MORTGAGE HAS THE RIGHT OF APPROVAL AND HAS DENIED BASED ON A BUSINESS DECISION ''. HOWEVER!! THEY THOUGHT THE BEST DECISION WAS TO APPROVE ME FOR A REPAYMENT PLAN! LET ME EXPLAIN TO YOU MY INCOME VERSUS THEIR BUSINESS DECISION SO YOU CAN UNDERSTAND VALIDITY OF SITUATION. MY FIXED INCOME FROM XXXX IS A TOTAL {$4200.00} GROSS AND {$3300.00} NET, THE REPAYMENT PLAN SPS AND MY INVESTOR STATED I WAS APPROVED FOR AS THE BEST OPTION IS {$4600.00}!! THAT IS MORE THAN COMBINE GROSS THAT WE MAKE. 

AS YOU CAN SEE THEY ARE NOT INTERESTED IN HARDSHIP ASSISTANCE BUT TO PUT SOMEONE IN GREATER HARDSHIP TO INSURE I LOSE MY HOME. WELL, THAT IS NOT GOING TO HAPPEN, I WILL SUE AS WELL AS I AM WRITING/CALLING MY CONGRESSMAN AS WE SPEAK AS WELL AS MY ATTORNEY GENERAL BECAUSE THIS IS EXACT DEFINITION OF PREDATORY LENDING AND AGE DISCRIMINATION. 

I HAVE PURCHASED MY HOME IN 2005 AND HAVE NEVER ONCE RECEIVED ASSISTANCE AND IF THEY WOULD RESET MY LOAN TO 30 YEARS WITH TODAYS CURRENT RATE I WOULD BE ABLE TO MAKE MY PAYMENT AS IT WOULD BE LOWER. HOWEVER, THEY WILL NOT BECAUSE THEY FIGURE WHY DO THAT WHEN I WILL BE XXXX XXXX XXXX, SO LETS JUST TAKE THEIR HOUSE NOW. 

I WILL NOT BE VICTIMIZE BY ANYONE LET ALONE BY MY INVESTOR AND SERVICING COMPANY. 

I HAVE ATTACHED THE OUTRAGEOUS REPAYMENT PLAN AND MY FINANCIAL FIGURES TO SHOW THAT THEY ARE ONLY INTERSTED IN TAKING MY HOME. 

WE WILL SEE WHAT SPS AND MY INVESTOR HAS TO SAY TO MY CONGRESSMAN XXXX XXXX AND ATTORNEY GENERAL XXXX XXXX. 

HOW DARE YOU TRY TO TAKE ADVANTAGE OF SENIOR CITIZENS, SHAME ON YOU!

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