vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: NY

Complaint narrative:
The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
<P/>
The company alleges that I verbally requested this deferral on three different occasions ; once in  XXXX , once in  XXXX  and once again in  XXXX .
<P/>
These payments commenced on  XX/XX/XXXX  and were sent to the debt collector via wire transfer by   XXXX   XXXX   XXXX   XXXX   XXXX    located in  XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
<P/>
I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today (  XX/XX/XXXX  ) that all that was required to obtain such a deferment was a verbal request by me.
<P/>
I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of  XX/XX/XXXX .
<P/>
Any assistance you can provide would be greatly appreciated.
<P/>
Thank you in advance,   XXXX   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
I spoke with  National Credit Systems  on  XXXX   XXXX ,   XXXX   a t   XXXX   XXXX   (  MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all  XXXX  CRAs on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX   I called all  XXXX  CRAs and none of them had received an electronic communication. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ) I called  National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all  XXXX  CRAs to remove the account from my report. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ), I called  XXXX  and was able to have the agent call National Credit  Systems  and  get  a verbal confirmation of removal from them. This has since been removed from my   XXXX   report but not  XXXX  or    XXXX   I would  National Credit S ystems to either respond to the disputes that I have placed with the  XXXX  CRAs or to actually do what they have promised and send the removals over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MD

Complaint narrative:
My complaint is about  XXXX   XXXX   XXXX   XXXX  continuously using third party collection agencies to collect on a debt that was settled in  XXXX    XXXX  . Id like to file a complaint against  XXXX   XXXX   XXXX   XXXX  for the continued harassment.      XXXX   XXXX   XXXX   XXXX  should not be able to continuously try to collect on a debt that was settled in  XXXX    XXXX  . I cancelled my phone service in early  XXXX    XXXX  , and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available.      XXXX   XXXX   XXXX   XXXX   had   XXXX   XXXX   XXXX   XXXX   XXXX , a third party Collection Company to contact me in  XXXX    XXXX  , and offered a settlement of {$400.00} from the original debt of {$720.00}. I accepted the offer and it was settled. The harassment from  XXXX   XXXX   XXXX   XXXX  continued and has been ongoing (  4 )  years with no end in sight. They just use different third party collection companies to harass me.     Now  XXXX   XXXX   XXXX   XXXX  is trying to resubmit the debt and collect on the {$320.00}.  AFNI, Inc.  even submitted false information to the credit bureaus that the original debt was {$320.00} in  XXXX    XXXX  . I have my original statement from  XXXX   XXXX   XXXX   XXXX  which shows tha t AFNI , Inc. , is providing the credit bureaus false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Contacted Equifax regarding an unauthorized inquiry. They asked for me to contact the company and speak with them. The company sends me a letter stating it is unauthorized and they will contact the credit bureau 's to have the inquiry removed. Submitted the letter from the compnay to Equifax multiple times and they have yet to remove this inquiry. I also asked for them to forward whatever proof they have to show this was in fact an authorized inquiry and they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: DISCOVER BANK
State: KS

Complaint narrative:
I have been lied to numerous times by this company. I lost my job and feel a bit behind. When I was contacted by collections they said I would be put on the Fresh Start program, which was a program, where I paid {$90.00} for 3 months and the account would be re-activated.     When I called in to make my payment, the collections rep said  Well  your account is only behind {$120.00} or some weird amount, and said if I was to pay that my credit line would be unfrozen. I paid that, and the account remained frozen.     Then I was told that if I paid all the collection accounts on my credit bureau, the account would be unfrozen. To date, I have paid every debt I have with the exception of  Discover  Card, who I have been current with for months, but they refuse to unlock my credit line dispute my complying with everything they have asked for me to do to unlock my credit line. I even provided them with copies of the letters from my supposed Bad debts from the data-furnisher themselves, and copy of the certified checks sent to them, but they wont unlock the credit line.     This company has lied me to at leas t seven  times, and their internal collections department will do anything to make you pay more and wont keep up their end of the bargain.     These are a bunch of lying thieves who do nothing more than pray off of sub-prime borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: U.S. BANCORP
State: TN

Complaint narrative:
On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money 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 non-monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I am receiving phone call from a place called convergent  XXXX  inc. telling me I owe money to  XXXX   XXXX   XXXX   XXXX . The number they are calling me from is  XXXX . I called  XXXX  and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today   XXXX  2017. I worked hard all my life and am now retired with a  XXXX   credit score.  Do n't want a place like this to ruin it for me. Need your help to stop this scam

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 2017-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
State collection agency work for  XXXX    XXXX   XXXX  . I am in process to get financial help from the hospital to pay the balance although majority portion of the bills paid my health insurance. Patient is my  XXXX   years old  son. I notify collection agency on  XXXX / XXXX /   17  by fax that I am paying regular basis to  XXXX   XXXX  and my financial aid application is on process. I do not owe this debt and they need to stop contacting with us. This account should not be on collection. But they are ignoring my request and they are in process to effete my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called Equifax to get my credit score, and they transfered me to three different people to sell me credit score products. They want to sell me multiple credit scores from different models that may or may not be the score used by my potential lenders, and are purposefully vague to force me to buy as many of their products as possible. I hope my conversations were taped, because anyone listening would clearly see how Equifax is unfair to consumers who are trying to help themselves through difficult times, and are more interested in taking our money than helping. A potential lending told me my ability to get a loan is based on my credit score ( NOT MY CREDIT REPORT ), which I understand comes from the detail in my credit report. However, even though I have a copy of my credit report, I have zero understanding and ability to convert the report detail into a credit score ( s ) that can help me see the score ( s ) that potential lenders see. I am left unable to make good financial decisions. I am absolutely being held hostage. I am being forced to apply for a loan which negatively impacts my credit score, to then have the right to see my credit score that was used for my loan decision. THIS IS UNFAIR!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
This Complaint is abo ut WU 's  refusal to correct the misuse of my information by  XXXX  of its users.     I am a  XXXX  citizen, living in  XXXX . Someone has been using the  western union international money transfer services to send money from ne w york to  XXXX  and registered my email as theirs, so in half a year I have received at least  XXXX  money sending notifications, I have called on  three  times the number  XXXX  of  western union custo mers to request to correct this situation, without which to date I can give a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. <P/>Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. <P/>How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? <P/>I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. <P/>This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.

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 2017-06-12 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: MD

Complaint narrative:
On  XXXX   XXXX ,  2017, cont acted Experian regarding dispute with  XXXX ,  XXXX  Experian did not properly investigating the validity of debt with  XXXX   XXXX   XXXX   XXXX   . I  notified Experian that I provided  XXXX ,  XXXX , documentation that disputes the information  XXXX   XXXX   XXXX   XXXX  initially provided and that information was not requested and inaccurate information was submitted to the credit bureaus.

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 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: KEYCORP
State: NJ

Complaint narrative:
I am requesting that the alleged debt be waived because of the following exceptional circumstances : My father was diagnosed with a health problem that has impaired his ability to work  and drive .   Giving his current financial status and health problems he can no longer fulfill the terms of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Hello, my name is  XXXX   XXXX . I have tried to no avail to get assistance with AES/ XXXX  customer service on so many occasions that I can not remember them all.   I have been told that my account was so far gone that even if I did make payments the interest alone was so high that I would not be making payments on the loan amounts for a long time. I have tried emailing, calling, and sending requests through the online mailbox on website. As you can see, these loans have been in existence for some time. I decided to go back to college and get my special education license to be able to make more income and do the job that I loved. Through those college years, I was only offered forbearance 's and deferments on the loans indicated below and as you can see the balance of each loan has either doubled or tripled in size, the payments are more that what any college graduate could possibly pay with no jog right out of college, and no other options were given from  AES an d I have contacted  XXXX  Several times as well. I do not know what to do about this situation.  XXXX  has ruined my credit by placing prior accounts into default on my credit report when in turn they were just being transferred to another servicing company for their accounts. I get no help or attention from the customer services nor any advice about how to help.   I have had to dispute abou t 8  different postings to my credit that were not even supposed to be there to begin with. Some of them have been repaired but I am still filing to get the others reconciled but I feel that even though they are reversed they still remain there as a reminder that I should have been more informed about private loans and done something different.     Date Disbursed Loan Program Original Balance Current Balance Outstanding Interest Interest Rate Monthly Payment Past Due Current Due  XXXX   XXXX / XXXX / XXXX  AADTC {$12000.00} {$18000.00} {$170.00} 6.500 % {$100.00} {$100.00} {$100.00}  XXXX   XXXX / XXXX / XXXX  AASC {$11000.00} {$22000.00} {$93.00} 11.750 % {$220.00} {$0.00} {$220.00}  XXXX   XXXX / XXXX / XXXX  AASC {$18000.00} {$32000.00} {$130.00} 11.500 % {$310.00} {$0.00} {$310.00}  XXXX   XXXX / XXXX / XXXX  AASC {$9500.00} {$15000.00} {$57.00} 10.740 % {$130.00} {$0.00} {$130.00} I do not know where else to turn or what to do. I guess bankruptcy that would definitely negatively affect my credit because they have given me no other alternatives.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good Afternoon I get credit card with barclaycardus bank in  XXXX   2017 with  0 % introductory APR for the first fifteen billing cycles after the account is opened. and they started charging me fee in  XXXX     2017 I   tried to solve this issue with the bank and they are not able to help me link below :   XXXX   XXXX   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 monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MD

Complaint narrative:
I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.

Company response to consumer: Closed with explanation