vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. 

I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am unaware of the accounts that are listed on my credit report. I've contacted my lawyer to investigate the issue and come to find out that the accounts aren't mine. You can't continue to accuse me or force me to accept the accounts. If I know for sure that these aren't mine please stop accusing me please seriously. Now I'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I'm not someone who uses credit at no point I'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: Focus Holding Company
State: GA

Complaint narrative:
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor. Please contact all three bureaus to fix this issue. I 'm not taking another bogus computer generated code that reads verify. If you ca n't tell me your verification process and the steps you took to accurately accuse me of the account please do yourself a favor and remove it. If you read the law it states that in section XXXX please re read carefully if an account does n't go through steps of accurately verifying an account it must be removed immediately. If you ca n't show or prove any verification process. If you do n't have any original documents then it 's another reason why you ca n't continue to allow an account to remain

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE ON XXXX/XXXX/XXXX I WAS TOLD BY MY SERVICER NATIONSTAR THAT THEY WILL NOT OPEN UP A REVIEW DUE TO A DISCREPANCY THAT WAS FLAGGED ON MY ACCOUNT ON XXXX/XXXX/XXXX BY MY INVESTOR, I HAVE ASKED WHY WHAT WAS THE DISCREPANCY AND THEY STATE THAT THEY CAN NOT TELL ME. 

I CALLED XXXX XXXX TO FIND OUT WHAT WAS THE REASON AND THEY RESEARCHED IT AND STATED THAT THE SERVICER HAS AN ERROR ON THEIR SIDE AND THAT THEY WILL CONTACT THEM TO REMOVE AND CONTINUE WITH THE APPLICATION. AFTER 1 MONTH OF BACK AND FORTH WITH NATIONSTAR AND XXXX XXXX, IT CAME DOWN TO XXXX XXXX CA N'T MAKE NATIONSTAR CORRECT THE ERROR AND I AM ROADBLOCKED NOT KNOWING WHY THEIR IS A DISCREPANCY AND AM IN FEAR I WILL LOSE MY HOUSE DUE TO BEING LEFT IN THE DARK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX 2012, there was a fraudulent activity on my account on card ending with XXXX for {$210.00}, This is a XXXX XXXX XXXX card. I did contact with the customer service and they are not solving the problem, the agent did not transfer the phone call to the manager. 

Please look into the matter and get me a complete credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the debts. on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement ; copy of signature on agreement, or acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XXXX, and certified letter in XX/XX/XXXX. all requesting the same thing to these debtors ; XXXX XXXX XXXX. XXXX XXXX XXXX XXXX tn XXXX. amt {$230.00} org. XXXX XXXX XXXX XXXX md. trans union acct # XXXX # 2 XXXX XXXX XXXX XXXX XXXX XXXX, mo. XXXX amt {$150.00} XXXX XXXX XXXX  XXXX. trans union acct # XXXX. XXXX acct # 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 2017-09-29 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: CA

Complaint narrative:
EquifaxXXXX XXXX XXXX XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
Account was opened by my spouse in my name without my knowledge or consent. 
Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. 
Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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:
I had released California tax liens on my report. As a result of the National Consumer Assistance Plan, both XXXX and XXXX removed the liens in XX/XX/XXXX/XX/XX/XXXX due to lack of identifying information as required by NCAP.When I noticed that Transunion had not removed the liens, I initiated a dispute with them using their web site. They responded that the investigation was complete, and the liens were not removed. They did not claim the required identifying information was present, they just refused to remove the liens.It appears to me Transunion is in violation of the NCAP by refusing to remove these liens.

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 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I have an account with XXXX XXXX since XXXX and my account # is XXXX. I have multiple cars in that account which included the car violation notice received. I 've received many Collection Notices from the XXXX XXXX XXXX, XXXX stated that I owed them {$1500.00} for toll violation with the car XXXX. This car was in my XXXX account since XXXX XXXX. Every single cross to bridge, the toll deducted from my XXXX account but their system still creating the violation notices. I spoke with XXXX Customer Services and they told me to contact the XXXX XXXX XXXX, XXXX. I wrote letter to them ( please see attached ) along with XXXX account and violation notices. I believed the violation notices was in error but they are not willing to clear my account. Because of those violation fees, my XXXX account have a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX requested a payoff of my mortgage with Mr. Cooper/NationStar Mortgage Company. On XX/XX/XXXX, I received my payoff statement, showing a payoff balance of {$2700.00} ; however, we have {$1900.00} in escrow that they have refused to apply to our payoff amount. Our taxes & insurance were paid in XX/XX/XXXX by Mr. Cooper, so there is no payments left for escrow to pay for this year. I asked for a Manager & was connected to " XXXX '' ( she would n't give her last name ) & she said that I would have to write a letter to get permission to use MY escrow balance to be applied to the balance & thus lower my payoff balance. This is MY money - not theirs & I feel that this is another way for Mr. Cooper to use my {$1900.00} for another 30 days or so. There is no reason to withhold my escrow from me, when paying off this loan. I am a senior & on Social Security and therefore do n't have the funds to payoff this mortgage if they do n't deduct my escrow amount. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've followed the instructions on Equifax’s TrustedID Premier website and cannot access the site. I've used XXXX and XXXX browsers but the TrustedID Premier website is experiencing continuous outages and the customer service phone number has a long wait times and busy signals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX XXXX My mother XXXX XXXX XXXX and Grandmother XXXX XXXX decided to invest in XXXX through a company called Coinbase. The money transfer happened on XXXX XXXX XXXX at XXXX am from a XXXX XXXX Account ending in XXXX for the purchase of XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX my mother XXXX XXXX XXXX passed away. I became the Estate 's Executor, trustee and personal representative. Since my Grandmother can not use a computer, she is XXXX years old, She asked me to liquidate the assets held by Coinbase. This should have been a non issue since I have the account login and passcode however Coinbase upped their security and I can not access the account.
I first emailed Coinbase support sometime in XXXX XXXX however it took so long for a response that when they did respond I could not respond back due to working 7 days a week at my employment. 

I emailed them on XXXX XXXX XXXX at XXXX XXXX and explained the issue. 

It took forever to get a response and the back and forth started and basically canned responses with no real help. I told them my intention was to liquidate the assets. We have obtained a Power of Attorney so I can represent my Grandmother in this matter and they have had those documents for over three weeks with zero response. It has gone on for so long I doubt this is actually a legitimate company. Since their support is so non supportive and their dispute resolution team has been non responsive after over coming all their objections I have no choice but to file a complaint.
I have 28 full 8.5 x 11 pages of emails printed of my communication with Coinbase. Its been now more than 7 months and still there is no resolution in sight for these assets that my grandmother would like liquidated. There should be no reason for Coinbase to deny me access to the account since we have obtained a legal power of attorney from my grandmother appointing me her representative. 

I firmly believe that it should not take 7 months to get a resolution and that this company has defrauded my Grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Our cc account was closed. We need to know how much interest was paid to Amex and XXXX XXXX in XX/XX/XXXX. Amex tells us we need to call XXXX and XXXX tells us we need to call Amex. We keep getting the runaround. We paid them money in XX/XX/XXXX. they should be able to tell us how much was interest and how much is principal. Please help us. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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: AES/PHEAA
State: VT

Complaint narrative:
I was asked to renew my income for an income based repayment plan on XX/XX/XXXX. The information I recived was, "You currently repay your loans under the Revised Pay As You Earn (REPAYE) Repayment plan. Under this plan, your monthly payment amount is based on your income and family size. As part of the REPAYE plan, you are required to recertify annually. Since you are approaching the end of your 12-month payment period, you need to provide your and your spouse's (if applicable) income documentation and verify your family size, so we can recalculate your monthly payment. You must do this even if your income and family size has not changed. Recertify electronically at StudentLoans.gov. We must receive your application by XX/XX/XXXX. If we do not receive your application within 10 days of this date, your monthly payment is estimated to be $XXXX, first due on XX/XX/XXXX." I uploaded the requested information on XX/XX/XXXX. On XX/XX/XXXX I received a statement staying my XXXX bill (due XX/XX/XXXX) will be the total of $XXXX. There was no explanation for this increase from my original monthly payment of $XXXX. I have called twice. The first time (XX/XX/XXXX) and was told to reapply for an income based plan. I did that. On (XX/XX/XXXX) after receiving a notice for further paperwork, I called and was told because my XX/XX/XXXX paperwork was not process in 90 days I needed to reapply for income based. Therefore, because Fedloan did not process my paperwork I am now stuck with an un-affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the  debts.  on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement; copy of signature on agreement ,or  acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XX/XX/XXXX, and certified letter in XX/XX/XXXX . all requesting the same thing to these debtors;XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX. amt $XXXX org. creditor XXXX XXXX XXXX XXXX.  XXXX XXXX acct # XXXX#2   XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  amt $XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acct# XXXX. equifax acct# XXXX

Company response to consumer: Closed with explanation