vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I received a billing statement for a debt which was under Bankruptcy in XX/XX/XXXX. I had previously attempted to negotiate with USAA with no results. The billing statement I received stated " Total Past Payment Due '' and " Total Payment Due '' of $ XXXX XX/XX/XXXX. I went ahead and submitted the payment on XX/XX/XXXX. On XXXX I received a cell phone message from XXXX, who was handling the Settlement Agreement, asking to contact her. When I contacted XXXX, she was unavailable, but I spoke with a representative from the Settlement Agreement Department who stated that this was not the total payment due. I told her that I could not afford what they were asking for and to return the checks. She stated that they would return the checks. On XX/XX/XXXX, I noticed that USAA unethically cashed the XXXX checks. I immediately contacted USAA multiple times and was transferred from department to department, placed on hold ( at one point up to XXXX ). Eventually, a representative stated that the statement had been sent out in error. Yet they cashed the checks. I have been trying to contact USAA for answers with no results. USAA is committing unethical practice and would like an explanation?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I spoke with a rep in XX/XX/XXXX and explain not to call my work place due to repeated calls. I received more calls to my work place after.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I noticed a Bankruptcy docket # XXXX that showed up on my credit that I was not aware of. Imediately, knowing it was not mine, disputed the account with equifax. I even called the court it was listed with and they did not have record of me. They also stated Equifax never notified them about me. It is obvious when looking at my credit file not one account has been listed under a bankruptcy. Please delete this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I bought XXXX airline tickets using credit card .but after three days get emergency ca n't fly on the dates .so I call credit card and did disputes. 
After few days they send me letter in mail explain to me about dispute. 
That 's was give me XXXX credits for XXXX airplanes tickets and they will process the dispute. 
I call that credit card to let them known l do n't want to loss that money if you ca n't getting the money so I could Chang that date for the tickets with airline but credit card company told me it 's no proces and we credit your account and that 's finally, l said that letter do n't say she said discard that letter. Month later get changed on my statement for that XXXX tickets and send me a letter telling me we ca n't get your money back. So I call the credit card but their answer was we are very sorry

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 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Last year my original lender sold my mortgage to Ditech.com. At that point the existing property taxes and insurance had been paid. From that point on my property taxes did not get paid. I notified Ditech that no taxes had been paid, but nothing was done until I wrote a formal letter. When they did finally pay them, they performed an 'escrow analysis ' that passed on the cost of the fees and interest charged by the county, and increased my mortgage payment $ XXXX/month. I spoke to my county treasurer 's office and they told me that what Ditech was doing was totally unethical - that my loan was up for lien last XX/XX/XXXX and I was just lucky that it was n't purchased. Also, as I understand the law, Ditech is responsible for any fees and interest charged due to their mistake. Through research I 've been doing online, I have found that this is a regular pattern of behavior for Ditech, and that this was no mistake at all, but seems to be a standard practice that is happening on a much broader scale. If they are doing this on a larger scale, that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Summit AmeriFirst Holdings, Inc.
State: AZ

Complaint narrative:
I filed bankruptcy back in 2012 on a 2nd mortgage on my property and it was included in my BK so I was told by my lawyer I did not need to make payments but the loan would sit on my title until I refinanced or sold the property. I am currently going through a refinance now that I am past my 5th year from BK and my lender is getting a payoff from Amerifirst Financial who held my loan which started at XXXX and before filing our BK we were paid down around XXXX and now Amerifirst is saying my payoff to satisfy my lien release on the property to close my loan is over XXXX payoff. I question how my payoff can be XXXX more than when it was discharged as part of my BK? I believe this to be mortgage fraud as this lender Amerifirst is trying to add funds to my payoff well over what I owe them. I am not responsible for any additional fees or interest accrued once my BK was filed and satisfied. My account number with Amerifirst was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
In the year XXXX I learned of a collection being reported by Pinnacle Financial Services. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After that investigation information about the account is being manipulated such as open dates etc., to extend reporting to cause me damage. Also this closed account is now reported in a manner to reflect as new delinquency each month which further damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian reporting of XXXX XXXX reflects a foreflosure. this was a short sale of the property done on XX/XX/2013. this is not reported accurately

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 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Home Mortgage refused to allow me to audit and make a validation of debt claim prior to foreclosure. The reentry department will not send information regarding the loan per my request to validate the loan. The debt letter dated XX/XX/XXXX which gives me thirty days to dispute the debt. They immediately sent my file to foreclosure before allowing me to obtain access to relevant information to dispute such claims. I received a packet from XXXX XXXX today with loan documents only portions of the information requested in my validation to support the debt. Wells Fargo Bank refused to postpone the foreclosure and allow me time to review the documents. I received some of the documents requested on the day of foreclosure. I have submitted three requests to all allege parties to supply sufficient information pertaining to my loan. The office of President staff, XXXX XXXX XXXX, also refused to send me information from the inception of the loan to present. Also, a request for a affidavit was requested, Wells Fargo has refused. Wells Fargo refused any supporting documents prior till XXXX to support there claim of foreclosure. There have been account numbers changes recently at the time of account sent to foreclosure, the service lenders name changed without proper notification. Wells Fargo Bank does not have any of my records prior to XX/XX/XXXX to show claim to foreclosure scheduled XX/XX/XXXX. Alleged attorney sent a XXXX packet sent to my home on the day of foreclosure to validate the debt, nor does this allow me sufficient time in order to audit, review and dispute any issues to this claim with Wells Fargo Home Mortgage. The balance that the allege attorney differs from the amount Wells Fargo states I owe. The payment history XXXX XXXX provided verbally was also discrepancy

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The List of items below are being reported incorrectly by Transunion and some are not even my accounts. I have provided them with information just as police reports, and ID Theft Affidavit and they continue to report the information. I have also provided the same information to all the creditors too. Please help me restore my credit report to the correct information.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
While I was informed by XXXX my credit score was XXXX, upon applying to lower an APR by transfering a balance on this one card we have, I was thrown back with the statement of not only a rejection .... but a low score of XXXX!!!! 

In addition, items that should have been removed years ago still remained on my credit report. Moreover, I even found a judgment on there that NEVER should have been for the story was totally different than a non-payment ... and the court system NEVER did a judgment on myself, nor notified me of any.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE XXXX OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion continues to report inaccurate information my credit report even after sending them supporting documents. 
For some reason Transunion did not remove it. I 'm a little confused here. How is it that the other XXXX bureaus removed the inaccurate information and Transunion did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other XXXX bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate.

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 2017-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My mortgage company is Wells Fargo Home Mortgage. I was late in paying my monthly but when I caught up they refused to take my money saying it was n't in the full amount owed. But I kept paying my monthly mortgage. Then I received an letter and later an email asking me to get into a loan modification to pay a lower monthly mortgage, which I denied. Then I received an email congratulating me saying I was accepted in loan modification program. I replied to email stating I never agreed to being in modification program. My monthly mortgage was {$540.00}. I do n't know why they charged me {$1100.00} but when I called to make a payment on XX/XX/2017 this is the amount I was told to pay. I 've called to be switched around to numerous Wells Fargo reps from Escrow to Insurance because this is where the problems lies. I called to make my XX/XX/XXXX payment and now they raised my payments to {$1000.00}. I never received a letter telling me they were raising my monthly payments nor did I agree to this amount. I spoke to a rep on XX/XX/2017 and he stated it was because of my property tax, which is not true because I 'm in the LOOP program for XXXX residents long-time homeowners. Then rep said it was due to homeowners insurance which went up and my prior home owners insurance they paid 3 times within a year depleting my escrow monies. They asked no questions when XXXX kept sending them payments. I was aware I paid a one time fee to an insurance company not recurring bills throughout the year. The rep also stated he could lower my payments to {$890.00} or stretch it out through the 12 months. He also stated I should 've been charged the {$1000.00} on XX/XX/2017. When I called back on XX/XX/2017 I was again switched around to numerous reps, hung-up on but no one was helping my get to a resolution to lower my payments. They kept telling an appraisal would be done on my mortgage in XX/XX/XXXX and my XX/XX/XXXX bill may be lowered. Can you help me with assistance in getting my monthly mortgage lowered or send me to someone who can? Thanking you in advance for your assistance in this matter.

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 2017-02-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I applied for Navy Federal Credit Union membership over the phone. As part of my application, I was read a credit report disclaimer. When I asked if this would be a hard pull or inquiry on my credit, I was told by the phone representative it would be a soft inquiry. Navy Federal performed a hard inquiry. When I received notice of the inquiry, I called Navy Federal and was told that as part of my application, I was read a disclaimer. I asked the representative to listen to the recording of my call. Upon review of the recording by back office personnel, it was determined that while I was read the disclaimer when I applied, I was also told that the inquiry would be a soft pull. Navy Federal has communicated that they will be suppressing the inquiry from my credit report and at my request, Navy Federal indicated that they will be communicating this to me in writing and that updating this with the credit bureaus can take 30 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
AS I UNDERSTAND CFPB & XXXX XXXX HAD AN AGREEMENT THAT CURTAIN CUSTOMERS XXXX WOULD E REFUNDED CHARGES BECAUSE OF DECEPTIVE PRACTICES. LAST FRIDY I LEARNED I WAS DUE A PAYMENT OF {$540.00}. THERE HAS BEEN NOTHING WRITTEN, JUST PRYING INFORNATION FROM XXXX, SO THE FIGURE MAY BE A LITTLE DIFFERENT. BUT IT IS CLOSE. I IMEDIATELY CHECKED MY BANKING RECORDS & could not find the figure. When I CALLED TO REPORT THAT I HAD NOT RECEIVED MY FUNDS I WAS TOLD " SINCE XX/XX/XXXX HAD PASSED I COULD JUMP IN A LAKE AND THERE WAS ABSLOYULY NO RECOURSE!!!!! THE TERM " JUMP IN A LAKE '' WAS NOT USED, THAT WAS THE MESSAGE!! WHAT A CROCK, I NEED PROTECTION FROM THE UNSAVORY??? YOU CAN CALL THEM WHAT IS APPROPRIATE. 

GUESS THAT IS MY CONDINCED VERSION. WHAT OPTIONS DO I HAVE? I WOULD LIKE SOME THAT RESULT IN $ $ $ PAIN TO THIS CROWD!! 
XXXX XXXX XXXX XXXXXXXXXXXX AWAITING YOUR ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I entered a payment plan to settle outstanding debt with Citibank, N.A on XX/XX/XXXX. I made my last payment on this debt on XX/XX/XXXX in the amount of {$300.00}. I attempted to make a payment via telephone in XX/XX/XXXX to continue my obligation for this debt. The representative at the time, informed me that my account was settled in full and that I did n't have to make the payment. I subsequently received a notice from Citibank, N. A stating " our records reflect that the balance on the above account is {$0.00} ''. I disputed the information with each credit bureau so that they could update my records based on this new information. The credit bureaus responded and said that Citibank, N.A disagree with my dispute of the account. With this in mind, I contacted Citibank, N.A and learned that Citibank N. A sold the aforementioned account to a XXXX XXXX Inc. and they are attempting to collect the full amount of {$5900.00}. Based on the letter I received, this account continues to report inaccurately on each of my credit reports, and Citibank, N.A is still pursuing me for debt I 've completely paid off.

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