vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX refinanced my childhood home with XXXX XXXX XXXX in the amount of {$52000.00}. I paid a premium of {$600.00} at closing for Title Insurance to XXXX XXXX XXXX XXXX XXXX. The loan was set up with XXXX XXXX. Then sold to Ditech Financial LLC Servicing. The loan is backed by XXXX XXXX. On or about XX/XX/XXXX my new neighbor informed me that my property was landlocked aka no ingress or egress. XXXX XXXX XXXX would not help or give any hope of resolving the issue. Then on XX/XX/XXXX at XXXX XXXX my home received 7 1/2 feet of water and stayed under water for 14 days! As of todays date XX/XX/XXXX it has been 741 days and still not back in my childhood home and still landlocked! The home received {$100000.00} in damages with only {$42000.00} in flood insurance. The XXXX cashed out in the amount of {$42000.00} payable to Ditech and myself in XXXX of XXXX. Ditech would not release the proceeds. Went into forbearance. The Texas General Land Office and FEMA forcing me to pay {$680.00} rent on a travel trailer. The house note is in the amount of {$510.00}. That includes property taxes, insurance and flood insurance. The property has 3 different Elevation of Certificates the one I paid for claimed that the property is in zone C, the County and City said it is in zone B, XXXX XXXX, XXXX and FEMA said it was located in zone A-12. On XX/XX/XXXX Ditech sent me a letter stating that they could not help me with the landlocked issue. Ditech said I was in forbearance so I used some of the monthly payments to try getting back in the home and then received a Notice of Default to be cured by XX/XX/XXXX. The Title Insurance Policy in the amount of {$52000.00} has been paid out to an unknown company while the property is still land locked and uninhabitable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: GA

Complaint narrative:
This account was placed for collections incorrectly. I have attached proof that this loan is in good standing with XXXX. I have also spoke with a XXXX rep, who made it clear to me that this debt is current and in good standing. Ascendium has threatened to garnish my wages and has harassed me over a debt that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had no idea there was a judgement against me I received notice in the mail XXXX my niece I take care of told me she went to the bank and she gave me a notice a writ of execution was on my bank account.She stated they also have frozen her bank account she is under age.I was told from Midland Funding LLC this debt was with XXXX XXXX they indicated i declined to appear in court XX/XX/XXXX.I was told a court papers was left at my residence I was out of town when they said the notice was left XXXX. I was out of town have my airline ticket to prove i was not in town.The actions of this creditor severely crippled my normal way of life which is preventing me from handling executing my daily finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: PA

Complaint narrative:
The date set up and amount upon my payroll is not usually good at most time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please remove any and all fruad alerts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please remove any and all fruad alerts from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
Last year I sent a disputed debt letter that was signed via certified letter from XXXX XXXX. I requested debt verification and an itemized statement or a summary of the initial charge. Nothing was sent other than a lump sum amount due without explanation. XXXX v XXXX affirmed in the 6th that debt collectors must provide a minimum verification that a consumer could dispute the debt. XXXX failed to do so yet continues to illegally collect the debt and even filed a derogatory statement on my credit earlier this year. Even though, if the debt was legitimate all they would have to send is an itemized statement. They refuse as the debt is not verifiable. I personally went to collect the letter from the hospital directly and one doesnt exist. 
Fast forward to XX/XX/2019, I filed a complaint with my credit agency and XXXX   removed the derogatory statement because they couldnt provide the necessary information. Proof attached. 
Now, without any more or new letters or proof sent they attempted to hurt my credit again but have changed the debt amount. Without any new contact or letter. 
Its harassment and illegal and it continues without new proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I disputed a bankruptcy reported on my credit file unlawfully and also without notification. Under the FCRA as a US citizen I have my rights to have this investigated properly. I received the verification letters back from the credit bureaus as the information reported on my credit file was reported correctly which is reported incorrectly after I caught the credit bureau within reporting inaccurately,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have applied and got approved for the NavyFed Flagship Rewards Credit card last XX/XX/2019. With the Promo of spending {$4000.00} within 90 days and earn 50,000 bonus points. Last XX/XX/2019 I  have completed the spend requirement of {$4000.00}. I have called last XX/XX/2019 @ XXXX & XX/XX/2019 @ XXXX spoke to XXXX and I was informed that I have met the spend requirement and my bonus will be on my account 6 to 8 weeks. I have also went to Navy Federal Branch in XXXX XXXX, XXXX XXXX CA last XX/XX/2019 and the banker checked my account and has confirmed that I have met my spend requirements and bonus will be on the account 6 to 8 weeks. I am also attaching a secure message last XX/XX/2019 from Navyfed which confirms that spend was met and bonus will be deposited 6 to 8 weeks. It has been 12 weeks since I met the spend and no bonus ( XXXX ) rewards points was deposited on my account as it was confirmed several times. I feel that the advertisement is misleading and I should get my entitlement of the ( XXXX ) points and or get compensated with additional bonus aside from the advertised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  XXXXXXXX XXXX XXXX     All show inquiries that I did authorize nor solicit. Under fcra please remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Twice I have made arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but cannot because the loan is not  current. I feel that the company purposely traps lenders into pay extremely high rates with them and prevents me from seeking other options that are more affordable for me to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hard credit pulls show on my credit report that I did not authorize ... two of them show duplicate inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I tried to log in to Equifax to freeze my credit report ( after previously creating an account ) it told me that there was a general issue and I would need to call their support. 

I waited 45 minutes through their support system and reached a representative who was not able to freeze my credit report. I was instructed that the system was not working. I was directed to try logging in again, at which point it told my my account was locked. I had just reset the password so I am 100 % confident that the correct password was entered. 

The representative online told me however that my account was not locked. 

I was not able to freeze my credit report online or by contacting equifax support and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC
State: HI

Complaint narrative:
Borrowed through XXXX XXXX XXXX XXXX in New York and they promised us a Loan that we did not receive instead we were referred to A Partner Called Loan me who scammed us over the phone for a non disclosed loan of 104 % interest rate that we had no idea about. We were tricked and lied to and scammed into signing on line. It was definitely an internet scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hard credit pulls show on my credit report that I did not authorize ... two of them show duplicate inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: GA

Complaint narrative:
Unauthorized credit pulls by XXXX XXXX XXXX ... twice. ... ..unauthorized credit pulls by XXXX XXXX ... twice..unauthorized credit pull by XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I closed on my home/ sold my home yesterday. I have to buy a new washer and dryer among other things. I applied for a new card with Home Depot as they were offering a new promo/discount, AND an {$100.00} gift card i got at closing. Nothing was validated, my price actually increased and the sales rep via online chat claimed its because i live in Colorado. I just paid off all my credit cards and am so disappointed with this company. I work in lending and feel violated

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 monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX on behalf of American Express, is suing me for alleged credit card debt. All of my debt, including any credit cards, was consolidated and being paid under the terms and conditions of the consolidation company which makes American Expresses claim invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hi, I acknowledge the receipt of your email. I also acknowledgethat Capital One had refunded my money, however, following the return of my money to my account, I received an email from Capital OneXXXX XXXX notifying me that there has been a negative news report to my credit scores account by the credit Bureau which has affected my creditscores. That, my credit scores went down 38 pointsand if I have a question to call them! Surely I checked my credit scores to see it for myself what had happened. First, what I saw was that Capital Oneshowed that I have used 86 to 100 % of the credit line I have with Capital One ( Not to mention that I have not received a credit increase for a long time despite of my request for credit increase ) and that warranted a thumbs downmeaning it is possible that, that was part of the problem that lowered my credit scores. 

I did not find any new reported account issues as of XX/XX/XXXX, which might have affected my score to that extent of slashed down 38 points. I discussed with them what I think and believe had happened following my complaints against Capital One, that to me that is a retaliation for reporting their ( Capital One ) unlawful practice. Although Capital One claimed to have nothing to do with reporting anything to the Credit Bureau that will impact the loss of 38 points, Iview the matter differently, and I have confidence that because XXXX XXXX via XXXX XXXX part of my service with Capital One Bank to monitor my Credit scores of which every month they notify me of any changes in my credit report. Mind that, there has notbeen a new negative report for the past six months according to their alerts. And that was how they reported for the Month of XX/XX/XXXX that " everything looks good, nothing negative reported '' ... that was before filing my complaints towards the last week of XX/XX/XXXX. 

The negative derogative accounts have been there forsometime even though I have disputed them but never received responses from the three Credit Bureau and did not slash my score down. I don't remember any other time that I have suffered a credit report point loss like that in recent memory. Only after I finished car payments in XXXX that I lost 100 points from my credit scores and when I askedwhy, they told meit was because I did not have any other dept to pay to report to the Credit Bureau. 

I suspect that the slashing down of my credit score is a retaliation for my complaints against Capital One, and I would like to request investigation to this issuetoo. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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:
Experian has re aged the entry on the XXXX ( XXXX XXXX XXXX ) to XX/XX/XXXX. A dispute was filed XX/XX/XXXX and it came back as " verified ''. The furnisher of the account is reporting inconsistent information between the bureaus so how can anything be considered accurate? Another attempt to delete this information has been submitted as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: GA

Complaint narrative:
Between XX/XX/XXXX thru XX/XX/XXXX, I have been disputing an inaccurate account with Experian which has multiple errors. The account in question is with XXXX XXXX XXXX in the amount of {$19000.00}. 

Experian continues to report the derogatory data they alleged as verified by XXXX XXXX XXXX even though I have pointed out these errors. 
Some of these errors appear to be unlawful violations and/or non-compliance with the guidelines of the FCRA. 
A ) .Reporting a balance/past due amount of {$19000.00} on a closed charged off account which has been " sold/transferred. '' B. ) Charge Off amount {$28000.00} inconsistent with Past due amount reported C. ) Late Payments or Activity reported on a " Closed '' account after original Closed and/or Charge-off date D. ) '' Date of Last payment '' XX/XX/XXXX reported inaccurate ; not found in payment history E. ) '' Late payments '' reported inaccurate on XX/XX/XXXX and XX/XX/XXXX F. ) '' Date of Status '' never changed ; Evidence of Failure to do a " reasonable '' Independent investigation *See Additional documentation attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was transferred to PHH Mortgage from Ocwen,  in XX/XX/2019. 

Before the transfer of my loan, I was granted a repayment plan by Ocwen, due to the death of my husband, because I was approximately 2 to 3 months delinquent. 

I made numerous payments to PHH Mortgage, and they have refunded the payments back to me. ( Each Representative at PHH Mortgage has told me that there is no record of any payments made by me since XX/XX/2019 ). 

Im also not allowed to use the funds currently in my Escrow Account. Because the payments are being returned Im now 6 months delinquent. Because the payments were not accepted, they place a Notice if Intent on my account. 

I have contacted PHH Mortgage many, many times for a repayment plan and have been told that I qualify for a repayment plan, however, due to the status of my account, I have to make a payment over {$5300.00} dollars in order to receive a repayment plan. Thats paying the delinquency in full, therefore, is not a Repayment Plan. 

Normally their repayment plan consist of making one payment, then making an additional payment with your monthly payment until youre caught up. 

I was not informed or notified by PHH that my Payment Plan Agreement was null and void once my loan was transferred to them. 

I can make my monthly payments, it was a devastating life event that caused me to become delinquent. My situation is temporary, not long term. 

Im asking for a reasonable payment plan to stop the delinquency and Notice of Intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I had a credit card with Capital One. I lost my card ending in XXXX. I paid off all of the balance owed. I requested to get XXXX balance rewards points which is equal to {$40.00}. They said that I need to have the actual card at my possession. On or about XX/XX/2019 I asked capital One to send me a new card. On XX/XX/XXXX Capital One ( Phone number : XXXX ) sent me a letter ( case number : XXXX ), saying that my account was closed and the Rewards Points were forfeitured. 
I have no problem for the closure of my account but Capital One still owes me my deserved/ earned rewards points. To earn those point I paid $ $ $ interest payment to Capital One, for many months. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation