vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
my mortgage servicer   XXXX   paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from  XXXX  even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized  XXXX  had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse   XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   ) th e money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my mortgage servicer  XX/XX/XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from   XXXX   even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from   XXXX    automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized   XXXX   had paid my taxes on my behalf i immediately reimbursed   XXXX   the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.  XXXX  readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX    XXXX   paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse  XXXX  the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with   XXXX  . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need   XXXX   to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX    )   the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

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 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Because I did not understand the business of interest on my account with HomeDepot I recieved a statement with a balance of  XXXX  and  XXXX  in interest fees attached.The new balance is now  XXXX . This account was for a new roof on my home.i called the  HomeDepot  office and explained that I obviously did not understand the no interest fee. I was told I had to pay {$900.00} rightway or {$430.00} monthly.I explained I was unable to pay either amounts and was overwelmed by the new increase. I was told to call back last tuesday with a solution (  XXXX  ) but a lady from  HomeDepot  called me on monday (  XXXX  ) and told me under the hardship program I would have to pay {$240.00} a month starting  XXXX   XXXX . I did not have to pay for  XX/XX/XXXX We talked for some time and I told her repeatedly that it would be very difficult for me to pay even that amount.I explained that I was a senior on ss and a pension.To make a long story short I asked wh y wasn ; t info rmed of the balance and that I did have a problem with the roof when some of the shingles came off and had to be replaced.She kept telling me how sorry she was for my problem.But this was the only hardship she could offer. I told her I could't believe someone could n't have called me sooner. She kept insisting that I give her a answer for the {$240.00} a month, so I said I would try and pay it.She stated I would not be able to use the credit card and I told her that I would not use the card and not shop at  HomeDepot  ever again. This is the essence of my 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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband passed away    XXXX   XXXX  .  After I received letters of testamentary, I presented this document along with death certificate to payoff outstanding loan on the  coop ap artment that was in his name. I paid off the mortgage at the bank branch  Citibank  in  XXXX , New York on   XXXX   XXXX   XXXX   in the amount of {$73000.00}. I was told I would receive coop documents and stock certificate in the mail. I continued to receive mortgage statements from citibank, and when I called Citibank mortgage department at phone number  XXXX  in  XXXX  or  XXXX   ( un sure of date ) I was told that loan was not processed as paid and that they would take care of the situation. I received another mortgage statement in  XXXX , and I called  Citibank mortg age again on   XXXX   XXXX   XXXX     I asked to speak to a supervisor, and she told me that closing date would be    XXXX   XXXX   XXXX    and I would receive stock certifica te 2-3 da ys later via  XXXX . When I called to follow up on  XXXX   XXXX ,  XXXX  I cited the case number and was told no notes were made and no actions had been taken. I again asked to speak with a supervisor who told me that the closing date would now be  XXXX   XXXX ,  XXXX  and it would take 30 days  for county regist er to send the documents. The entire process has been confusing and unclear to me, and Citibank continues to give me a different answer each time I speak with someone.

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
XXXX   XXXX   will not allow me to buy my home back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NC

Complaint narrative:
XX/XX/XXXX  Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX   RE : Collection Notice, Creditor :   XXXX   XXXX   Client Ref # :  XXXX  Acct. # :   XXXX     XXXX   : I received the attached collection notice in reference to the aforementioned account, dated  XX/XX/XXXX , on Friday,  XX/XX/XXXX .
I am contesting/disputing the balance due - as stated in your correspondence ( {$570.00} ) ; instead, I am offering to pay one-half of the amount stated which would be {$280.00}. My reasons are as follows : 1. I had b een a loyal  XXXX  customer since  XXXX , 15 years while residing in  XXXX ,   XXXX   and the remainder of that period while in  XXXX ,   XXXX   XXXX  . 2. My service at   XXXX   XXXX   XXXX   XXXX   w as canceled in  XX/XX/XXXX , only after I moved and new location did not require continuation of a monitored alarm system.
3. In XX/XX/XXXX , I paid  XXXX  {$1300.00} for a full system installation at my   XXXX   address. This, after having service with  XXXX  for 15 years in  XXXX  and  XXXX   XXXX .
4. I considered using  XXXX  again, after I moved in  XXXX  of this year at my new address ; however, the quote I received was in excess of {$1400.00}. I felt this was quite excessive, since just two years prior ; I had paid over {$1300.00} for an upgraded system.
In summary, to have been a loyal customer of  XXXX  for more than 20 years, and to be asked to pay more than {$1300.00} within two years, is quite excessive and shows little consideration for my prior years as a customer. Because of the aforementioned facts, I am asking  XXXX  to courteously accept my offer of a final payment of {$280.00}.
Finally, I would trust that no adverse action would be reported against my credit report until this matter is resolved.
( Over ) Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX    XX/XX/XXXX ( Cont. ) Sincerely,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Health Investment Company, LLC.
State: UT

Complaint narrative:
I have a medical bill from my    XXXX   XXXX   . I am the insurer I always put myself as the responsible party. I asked the company to stop calling because we have a lot going on after a couple of deaths in our family. Now they are sending bills in my husbands name. I called them and they apparently know the law ... not so much. I work for a financial institution that is serious about deceptive practices and refuse to be bullied by this company and have my husbands name tarnished. I have never had anyone say they will send mail to my husband if I do n't pay my medical bills. This is also third party disclosure. Using your emergency contact to get a bill paid is really bad. I do n't have a problem paying I have a problem with deceptive practices  XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX  Tn  XXXX .  Call date  X/X/17    amount {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I am in the process of selling a home. The Original Mortgage was done by  XXXX   XXXX   XXXX , who was bought out by   XXXX   XXXX   XXXX  .  XXXX   XXXX  then sold the note to NationStar Mortgage. The note was originally secured by 3 separate properties, but the  one  at  XXXX   XXXX   XXXX   XXXX   XXXX , IN was sold and no longer secures the note. The mortgage note for this home is secured by  2  properties. The property that I have under contract to sell is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX  and the other property that secures this note is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX . The Mortgage note is currently held by NationStar Mortgage. On   XXXX  ,  XXXX   XXXX  of  XXXX   XXXX  in  XXXX , IN requested a partial release for the property on  XXXX   XXXX . Today she got a response from NationStar Mortgage with a long list of items required for a partial release. They are : {$250.00} partial release fee, no 30 day lates in the last 12 months, appraisal of both properties securing the note, survey of the property being released, sales contract. The original note does not have any of these requirements for a partial release. I agree that a copy of the sales contract is reasonable and when the appraisal for the property being sold is completed, we will also provide a copy of it. I feel that the remainder of the items are unreasonable and are only a requirement to make the process so difficult that they can not be met in time for the scheduled closing. The current balance on the note is {$79000.00}. After the closing costs are taken out from the sale, NationStar Mortgage will receive just over {$50000.00} toward the note. That would leave a balance on the note of around {$29000.00} and secured by the home on  XXXX   XXXX   XXXX , which is valued at $ {$89000.00}. I can have the realtor provide a Comparative  Market Analysis  to o NationStar showi ng the current market value of Wheeling. This is provided free of charge to me and an appraisal would cost {$450.00} and take a month to obtain. I need your help to resolve this matter with NationStar Mortgage  ASAP, so  we can still close on   X/XX/17  . I have attached a copy of the original note, and the maturity date was extended to  XXXX / XXXX / XXXX . I have also attached a copy of the list of items for release from NationStar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: COMMERCE BANK
State: LA

Complaint narrative:
On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My score dropped 67 points. I contacted Transunion rep unable to explain why. No changes to my credit. Other companies score did not drop. They has to be a system error with Transunion.

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 2017-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    thr ough its servicer Nationstar Mortgage is continuing to collect a debt that is not owed on a mortgage that the  State Court ha s ruled is not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Debt and personal information was reported to credit bureaus and is faulty and misleading and un-authorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
My name is  XXXX   XXXX . Birthdate   XXXX     I have an account reported on my credit that is false, incorrect, inaccurate and illegally reported. It is reported in violation of the FCRA, FDCPA and FACTA. I called this company and requested the original signed contract for the account they are reporting and the complete payment history from original creditor. Per FCRA  623 t his is the ONLY way they can verify accurate reporting to a CRA and legally report ANY account. I also asked for the letter of assignment and agreement between the original creditor and this collection agency ALSO required by FDCPA for any collection agency to report OR collect on an account. When I asked the lady  that answer3ed the phone to speak with a supervisor she informed me she WOULD NOT LET ME speak to a supervisor and when I gave her my reason she said THAT IS NOT A GOOD ENOUGH REASON. According to collection law in Texas this is VIOLATION and NOT in accordance3  with collection responsibility and laws. The original creditor should have obeyed all credit reporting laws and provided me the letter  ( FACTA )  30 days prior to ever reporting any late or missed payment to any CRA. This should be in the collections possession with ALL  requir3ed  docs to report but CENTRAL FINANCE CONTROL ( ALSO KNOWN AS SYNDICATED Office SYSTEMS ) does NOT have these docs to provide or PROVE right to report and are continuing to knowingly and willfully report ILLEGALLY to the CRA 's. See the attached letter I faxed this  XXXX  olle3ction comp any before and after calling their office in effort to resolve and request all docs to legally report anything on my credit THEY REFUSED TO RESPOND OR COMPLY WITH LAWS TO REPORT!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
In  XXXX    XXXX   I reviewed my credit report and notice an account that was not accurate to me. I mailed a validation letter on  XXXX   XXXX ,   XXXX   requesting the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent.   To date I have not received a response from  Phoenix Recovery Group  regarding the account they claim I owe them. I notice that the amount owed to  Phoenix Recovery Group  from  XXXX  to  XXXX  has changed significantly. I am requesting that they send me information regarding the account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Select Portfolio Servicing ( SPS ) as sumed the servicing of my mortgage in  XXXX  of  XXXX  from the previous servicer  XXXX   XXXX . I spent some months dealing with   XXXX   regarding a mistake in the city taxes for my escrow payment. When they turned over the loan servicing, I believed this issue to be corrected  (  see attached letter dated  XXXX / XXXX / XXXX  ).   Shortly, upon assuming my loan,  SPS  notified me that my payment was to change from {$800.00} to {$760.00}. I contacted them immediately, asking for them to do an escrow analysis to check if the city taxes were reported correctly. (  XXXX / XXXX / XXXX , spoke with  XXXX   XXXX  and faxed a copy of my property taxes as requested. ) The month following my call, I received a refund check in the amount of {$800.00}, labeled " escrow overage ''. I called again, and was told the analysis was done and the new payment was correct. I was instructed to cash the check, as if there was an error, it could not be returned made out to me.   Within a month, I received a new escrow analysis reporting I was {$870.00} short in my escrow account. The letter made no offer to put right the account should I pay the shortage. It stated my new payment would be {$870.00} until such shortage was paid back.   I sent  SPS  the amount due for the escrow shortage ( which was {$68.00} more than the initial refund of the escrow account ).  ( I  also had paid 2 months over the {$760.00} amount and instructed the overage to go to escrow?? ) This complaint is to report the ineptitude of handling my escrow and the costly time invested in trying to straighten out the mess  SPS  created. I repeatedly contacted  SPS  to report the error, but they proceeded regardless. This is the second servicing company handling my escrow that miscalculated city taxes. Are they not responsible for contacting the city to report the correct amount for taxes?

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