vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
The note amount $ XXXX with $ XXXX/mo payments via " Lender '' - XXXX XXXX XXXX XXXX , for the property Note transferred to XXXX in XX/XX/XXXX mature in XX/XX/XXXX, Transferred to GreenTree /  Ditech Financial LLC . in XX/XX/XXXX. Since, the following issues have evolved : - Escrow amount skewed ( i.e. ( XX/XX/XXXX ) = {$530.00} ; ( XX/XX/XXXX ) = {$880.00} ; ( XX/XX/XXXX ) = {$810.00} ), I questioned the high escrow # in an email on Ditech Web, ( see attached ) and requested the tax and insurance bills to verify the expense charges to escrow. In stead, Ditech sent me a payment ledger for Tax and Insurance for my property ; which, I expect would balance out, coming from their ledger. But, where are the actual bills? However, there was a drop in the escrow amount immediately following my email. ( see attached ) - Escrow charge variance brought account instability. 
- Damaged credit report. Subsequently, unable to refi the house. 
- Ditech Mod-offer, in the short run, will fail due to the Escrow shortage build-up. 
- I have paid 14 year on interest, why am I still charged more on I than P.?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against XXXX XXXX , XXXX and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt. 

On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX  lost its legal status in Arizona and the debt was passed to Westlake. 

On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018. 

A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion. 

On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy. 

Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation. 

We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
I received a call from XXXX XXXX XXXX who left voicemails for both my wife and myself. I called them back. 

They stated they sent me letters ( which I never received ) and were pursuing legal action on behalf of Huntington National Bank regarding a bank account I had in XX/XX/2011. 

I was advised I was being served notice. They threatened me with judgments but never disclosed themselves as a debt collector. 

To date, I have received no notice of this debt. 

When I requested a statement of all of the charges on my account to show how I could be overdrawn {$500.00}, they refused. I was never that far negative on the account and they are refusing to provide the account history. 

They told me I have no right to see it. When I advised them that I just wanted to see what I was being charged for on my old account statements since they are pursuing legal action, the woman was very rude to me and hung up. 

In XX/XX/2011, I was recovering from a bankruptcy. I had lost my job. I was suddenly divorced and owed child support. I have spent the last 7 years of my life recovering from the hardships I went through in XX/XX/2011. 

I finally caught my delinquent child support up last year. Ive paid several other creditors who I defaulted with. 

I would like to work with the bank to resolve the matter but I want to know what they are charging me for before I arrange any payments. 

I dont understand why she would tell me I have no right to know that information when she was threatening me with judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: UT

Complaint narrative:
XX/XX/2018 - we discovered a company has been charging us for monthly credit reports. 

Neither my wife nor I can ever recall signing up for a monthly credit report service. Yet we recently discovered that a company called XXXX and/or One Technologies, LLC of XXXX, Texas has been charging us a monthly fee of {$29.00} since the beginning of 2018 for it. However, a customer service agent we contacted verified that we have not been receiving them by mail or accessing them online. Even so, the company is refusing to refund our money which now amounts to {$290.00}. 

I believe XXXX/One Technologies is practicing " predatory '' sales practices and enrolling people, like us, unwittingly in some kind of a monthly credit report subscription plan. But it's a scam. XXXX and I wouldn't know what to do with a monthly credit report even if we had one. Please help us recover our money and stop them from doing this to other people. 

XX/XX/2018 - XXXX replied to my request for a full refund. 

REFUND STATUS XXXX, thank you for contacting XXXX Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2018 {$29.00} Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved The refund decision is based in part on how long the account has been active and the services provided. Important refund status information : APPROVED : The refund should post to your credit card or bank account within 3-5 business days. 
NOT APPROVED : The refund was not approved because you requested the refund after your communicated billing date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FM

Complaint narrative:
To Whom It May Concern : I received an alert about an account being reported by Midwest Recovery. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and XXXX by Midwest Recovery. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, Midwest Recovery did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Midwest Recovery should this item not be deleted within the required time allowed by law. Midwest Recovery is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against XXXX XXXX , XXXX  and Westlake Services LLC for improper communication tactics and repeatedly repossessing my vehicle when I was not in default on the debt. 

On XX/XX/2018, we purchased a vehicle from XXXX XXXX XXXX for {$11000.00} ( VIN XXXX ). We financed the purchase through XXXX XXXX , XXXX. Over the next 9 months, we made our regularly scheduled payments. I understand that at some point during this time, XXXX lost its legal status in Arizona and the debt was passed to Westlake. 

On XX/XX/2018, the vehicle disappeared. We thought it had been stolen ; but as it turned out, XXXX/Westlake had sent a tow truck to repossess it. Because of the disorganization of XXXX/Westlake, we did not get the car back until XX/XX/2018. 

A Westlake representative informed me that the car had been repossessed because of a clerical error. Apparently their computer system showed another debtor as the owner. Because that debtor was in default, my car had been taken instead of his I was offered no remedy, and was assured that the problem had been fixed and there would be no further confusion. 

On XX/XX/2018, the car was again repossessed. Once again, XXXX/Westlake seemed confused and did not know the location of the vehicle. We were given no assistance in locating the vehicle, and had to do all the legwork ourselves to track it down. Fortunately we were able to retrieve the car the next day. We were once again informed that, there had been a mix-up with our vehicle and another debtor 's debt, and offered no remedy. 

Since the second repossession, we have been hassled by Westlake representatives with nonstop calls. We informed them of the mix-up between debtor accounts, but they will not listen. We told them that we had retained an attorney, but they refused to talk to him. We have asked for assurance that the money we pay toward the debt is going toward our debt, but they will not provide this documentation. 

We need assistance clearing up this problem. We have missed work because the vehicle was taken and live under constant stress because we are being hassled with dozens of calls from Westlake every day. We are scared that Westlake is going to repossess the vehicle again. We don't even know if our payments are paying down our debt or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was applying for an apartment and kept getting denied because they can not pull my Equifax credit score nor report because its saying I dont have a score. I contacted my creditors to make sure it was not a problem with wrong information. My creditors is reporting my credit to Equifax but they is not postings it on my credit file nor giving me a score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: FM

Complaint narrative:
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to Equifax, XXXX and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 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: FM

Complaint narrative:
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, Transunion and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-11-08 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: FM

Complaint narrative:
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and Experian by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
so i purchasex a XXXX western union money order i no longrr needex it so i toom the money order to XXXX XXXX XXXX a total of 3 of them that wouldnt pay me the money order says payable at XXXX XXXX but they wouldnt pay me its ridiculous and i am tired of the sham the we american citizens are faced with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FM

Complaint narrative:
Midwest Recovery Systems is NOT licensed to collect debt in the state of Florida. Their license expired in XX/XX/2013. They have NOT renewed their license, and they have NOT notified me of any debt prior to reporting. According to the Fair Credit Debt Collection act, and the Fair Credit Reporting Act, I am supposed to be notified of a debt and given sufficient time to dispute or resolve the debt. This debt was reported without my acknowledgement and they are violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I have a XXXX personal credit card. XXXX and XXXX combined recently but I signed up for a XXXX card for a XXXX promo offer for XXXX points. The XXXX did not post to my account. I know the merger was to take place after XX/XX/XXXX but I applied and was approved for this card prior to the XX/XX/XXXX deadline. Now american express is declining giving me the offer because I had a XXXX card before and got a bonus with them. I feel as though I met the requirements for the card having got it before the XX/XX/XXXX deadline. Please help me get my XXXX XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
I currently owe over {$130000.00} in student loan debt, {$44000.00} of this debt is serviced by AES. I am currently 71 days past due with my loans with AES. I have called multiple times monthly asking for repayment options that will lower my current {$400.00} payment. One person told me that I was eligible for a reduced repayment plan for one of my loan packets, that would allow me to pay a lower payment for 1 year. I paid the {$50.00} payment to get that started, but was later told I did not qualify for it. Ive begged and pleaded with AES for options as I want to pay my loans, but I cant afford the monthly payment. I have three other loans companies to pay monthly. Ive written letters to AES for them to forward to the banks, but I was told that my request for longer loan terms was denied. This is depressing, as I feel I have no way out of this debt. Each time I call Im given the run around. I just paid a payment and it looks like it only took 20 days off, oppose to a full month. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
WE HAVE ASKED THIS COMPANY TO STOP CALLING BECAUSE WE ARE A BUSINESS THAT HAS NEVER DONE BUSINESS WITH THEM AND THE EMPLOYEE THEY ARE TRYING TO REACH HASNT WORKED FOR US IN THE PAST FIVE YEARS. BUT THEY CONTINUE TO CALL AT RANDOM TIMES OF THE DAY, EVERY SINGLE DAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have dispute hard inqurie on my account with experian and they fail to verify these inquiry on my credit file, and also I have been trying for two months to file a dispute online with experian and it keep on giving me a error message and I have call experian about it and they keep on telling me it will be back up soon and two months now and it still doesn't work.

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 2018-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, a Chapter XXXX bankruptcy was filed, and discharged on XX/XX/XXXX. Under Federal law, this can only be reported on a person 's credit history 7 years from the date of the filing, if it has been discharged. Documentation can be provided upon request.

Bank of America, loan # XXXX, granted a refinance during this period of time. However, they are continuing to report to the Credit Bureaus the status of " Discharged through Bankruptcy Chapter XXXX Never late. '' This is an erroneous statement, due to the period involved. 

I have contacted BofA, and they are unable to direct me to the Department responsible for credit reporting. I am requesting the status comments be amended to " Refinanced/Never late. ''

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