vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
XX/XX/XXXX we received a letter from Ditech financial stating we were behind on our escrow. I contacted the company to find out what was going on, as my husband is a XXXX, we do not pay property taxes. I was assured that everything would be fine and the tax department would look through the paperwork again and fix the problem. By XXXX we were receiving nasty letters stating that we were behind on a payment- we have NEVER missed a payment, we pay a little extra on our payments. 
We have spent HOURS almost weekly since XXXX trying to find out what is going on with our account. XX/XX/XXXX we were sent a check for the extra payment in the escrow. We called multiple times to find out if the check was correct. Everyone we spoke to said the information was correct and the check was overages in the escrow. The amount of the check was approximately {$1800.00}. 
Ditech finally got read the correct paperwork showing that we didn't pay property taxes, however, since that time we have been receiving letters stating that we are behind a payment. As I stated earlier, we have never missed a payment, or been late on a payment. 
Every time we call we get the run around, and no one seems to know why there is a payment missing or where it is. We end up having to go through the ENTIRE 6 months of calls with the person we speak to, there have been no notes kept on the account. We are now getting letters threatening to enter pre-foreclosure. Our loan is a VA loan, which threatens the ability to get another VA loan in the future. 
I have spoken to others with Ditech and they have had the same experiences we are having. I have sent letters and made phone calls, with no response from Ditech. This has dropped my husbands credit score by more than 100 points, we can't even trade in our vehicles due the problems they are causing. At this point I don't know what to do, especially if we can't get help resolving the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had an account with XXXX, I have had their XXXX card since XX/XX/XXXX. Never missed a payment, XX/XX/XXXX I went into their mobile app, to change notifications from paper statements to paperless and text alerts letting me know 10 days before its due. 
XXXX of XX/XX/XXXX I checked my fico score which I get free with my XXXX card. 
Seeing it dropped from XXXX to XXXX I was shocked! Called XXXX up immediately the associate said Most definitely I can see where youre notification settings did not take on our sitde, and must be a glitch in the XXXX  app, they told me that if it went to my credit bureaus they would call them right up and they would have the credit agencies delete it from my report. That was XX/XX/XXXX I asked them to please send me a letter verifying the conversation that we had, they said woulomsil me out a letter never received anything waited a couple weeks, called them back now theyre saying they have no idea what Im talking about its going to be reported as the 30 day late no matter what I do. There must be something that can be done me as a consumer it seems that I have no rights the credit bureaus are coming down on XXXX side without even listening to anything I have to say I had them put a consumer statement on my credit report however there is one credit bureau that said we can see that you Have a excellent history of repaying so we will delete it off your credit report. The other bureaus XXXX, XXXX, XXXX will not delete it. Can you please advise me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
When I was approved for a Wells Fargo credit card there was information on my credit report that caused the interest to be set at a rate that gouges me - approximately 25 %. I have informed Wells Fargo that this information has legitimately been removed and that they should re-review my rate. At my current XXXX credit score, I believe that my rate should be sub-20 %. Today a man called me to ACKNOWLEDGE that they have an internal department that reviews accounts for APR reductions but told me that he WILL NOT get in touch with hem to see if my APR can be reduced. They scam people by knowingly overcharging them for interest, in cases such as mine where they know there is a discrepancy. I will continue to work with the company and keep the CFPB abreast of their continued abuse of customers.

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I signed up for a 0 % APR for 12 months offer beginning on XX/XX/XXXX and ending on XX/XX/XXXX. I have retained evidence of the contract in writing. I should also mention that I am a law professor and specialize in contract law, so I am a sophisticated party. Wells Fargo has confirmed these dates as well in writing. However, I was charged interest on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is in breach of my contract and unlawful pursuant to the Federal banking laws. I am due a refund from this 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 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I used bill pay to pay XXXX XXXX {$25.00} for phone services. I was given a confirmation # XXXX. It posted on bank account on XX/XX/XXXX. On XX/XX/XXXX my phone service was suspended for non payment. I called the carrier and they had not received the payment. I had to make the payment to have my service restored. I called Huntington Bank on XX/XX/XXXX and was told the payment to XXXX was not sent and a refund was request and I would have it in XXXX -XXXX hours FILE # XXXX ... ... 
I check my bank account today ant the {$25.00} still was not refunded back to me. I called the bank today and they had closed the case. I called XXXX XXXX and they only have the payment I made on XX/XX/XXXX and no other payment. My next payment is to be made by XX/XX/XXXX meaning theu don't have any payment from Huntington

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: TX

Complaint narrative:
I recently opened an a checking and savings account with Comerica bank after not having been a customer for several years. They did not tell me at that time that there was a prior balance from my old account of {$220.00}. They did encourage me to apply for a secured credit card ( CD ) to help build my credit score so the next week, I went back in and applied for it with the required minimum security deposit of {$300.00}. The bank told me it could take 7-10 business days to make a decision. Comerica made its decision in 2-3 days and denied me the credit due to income to debt ratio and said my deposit would be refunded. I waited a few days for the refund but when it did not come, I called the bank. I was told it could take 10 days to refund and they would either refund my XXXX XXXX checking account or send me a paper check in the mail. I waited a few more days and still no deposit or check. I emailed the bank manager and she responded that I had owed the {$220.00} and it had been deducted from that deposit amount and the remainder sent to my Comerica savings account. At no point during this whole time did they ever once tell me I had a past due balance or that they would be deducting that amount from deposit. they also never asked me if I wanted any amount returned to the account from which it had been taken ( XXXX XXXX ) or to my Comerica account. I was completely blindsided by this and it feels very sneaky and unethical to not disclose a previous debt then encourage me to make that security deposit. They have never even explained to me what the debt was for. As far as I knew, I had paid that debt years ago when I closed the account. I believe they tricked me into making that security deposit in order to secure funds for that debt. I had the money to pay the debt but they never asked me about and I had to go to great lengths to even get a straight answer from them about this. If they allowed me to open the account knowing I had an unpaid debt only to secure those funds then this is highly fraudulent and unethical. I was trying to rebuild my credit but now I have another mark against my credit for the hard inquiry for the secured credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 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: MI

Complaint narrative:
My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Transunion by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Transunion is not actually doing an investigation and just running it through their eocsar system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.

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 2018-06-28 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: PR

Complaint narrative:
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day  reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.

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 2018-06-28 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: PR

Complaint narrative:
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.

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 2018-06-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.

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 2018-06-28 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:
I was overpaid by the Department of Veterans Affairs in XXXX of XXXX in the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with XXXX and Experian ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.

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 2018-06-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I asked for proof to verify this debt belongs to me, they have only sent me a typed up statement with a name on it, this does not verify that this debt belongs to me. The company has failed to send orginal documentation to validate and verify this debt is mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment online to HSBC Bank in the amount of {$1300.00} from my XXXX checking account. On XX/XX/XXXX it was credit to my HSBC account and showed an available balance of a little over {$2200.00}. On the same day, my XXXX checking account showed the {$1300.00} had left my account and paid to HSBC Bank. 

On XX/XX/XXXX I wrote a balance transfer ( convenience check ) to XXXX XXXX for {$1300.00}, that were issued to me by HSBC when I first received my credit card with them. On XX/XX/XXXX, XXXX 's stated the check was returned and to " Refer to Maker ''. When I spoke to XXXX 's, they stated that HSBC did not honor the convenience check and to speak with them. XXXX 's charged me {$37.00} for the returned check. I contacted HSBC 's customer service and they didn't understand why it was returned because my account showed I had sufficent available credit to cover the check. They stated that they should that my payment in the amount of {$1300.00} on XX/XX/XXXX cleared and posted to my account on XX/XX/XXXX and that the convenience check written on XX/XX/XXXX to XXXX 's should have cleared without any issues. They stated they would investigate the matter and that they would reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After a few weeks with out being reimbursed, I contacted customer service again and was told that even though my {$1300.00} payment posted and was credit to my account on XX/XX/XXXX, that it really didn't clear until XX/XX/XXXX and that is why the check written to XXXX 's on XX/XX/XXXX didn't clear and was returned unpaid. When I questioned them on this they stated that its in my terms and conditions that payments made may take up to 14 day 's to post. I explained to them that my payment didn't take that long and that I have proof from XXXX and my online account with HSBC that shows it cleared and posted on XX/XX/XXXX, they still refused to admit fault and reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After that, I requested to speak to a manager 3, being put on hold for well over 30 minutes each time and after being on the telephone for well over 2 hours, they hung up on me without ever letting speak to a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
On XX/XX/2018 I hired a credit consultant to handle this for my behalf. My credit consultant has been trying to reach them since XX/XX/2018 regarding this XXXX XXXX XXXX judgement. They never reached back to her in order to try to resolve this matter. I am concerned that they are not professional in the services they provide. I would like an investigation regarding this attorney 's office. I would like for them to contact XXXX XXXX at XXXX in order to discuss options in resolving this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: Risecredit, LLC
State: CA

Complaint narrative:
On XX/XX/2018 I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to RISE  ( www.risecredit.com ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/2018 per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/2018 I have not received any response from RISE, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e RISE and credit bureau ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A personal credit card was opened in my name by PayPal Credit. 
They would not provide me with the fraudulent account information used by the criminal or a letter stating the account had been closed. 
The person who name was XXXX in their customer security operations was condescending when I explained I had two contradictory letters from them and wanted a letter stating the account was closed and that I wanted all the information used by this criminal. He stated I send them more personal information in the mail to prove that I am me, plus another copy of the Fair Trade Commission report even though they stated in a letter on XX/XX/2018 that they had received it. because I am asking them to do two different things. Plus, that all they were going to do is send me m name, SS and address since that is all that is needed to open an account with their company. 
This means that they did not use email, a phone number or address to confirm the person was me, but they want my driver 's license and social security card to go through the US mail to get the information corrected. ( They already have this information on my business account too. ) The young man XXXX would talk over me and play word games. Very disrespectful and not my experience with the other bank card companies that had opened accounts in my name not the ones who actually verified my information and would not open an account in my name for the criminal.. 
At this point I am not sure that they will close the account or provide all the information used by the criminal. Very disappointing to find that PayPal protects the criminal and does not protect their customers. 
FYI : XXXX fraud department is exceptional.

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