vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Lender is not honoring the amortization schedule I signed at settlement that shows PMI ending with my XXXX 2017 payment. Stating that I need to continue paying until XXXX 2017 at an additional cost of {$6900.00} ( $ XXXX/mo ).

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 2017-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Naval Federal Credit union fail to pay bill as though their bill pay service as agreed resorting in my credit going bad they told me they was going to depute the reporting to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They resent me letters to send to the bill of company 's they did n't pay instead they need to send them to company 's them self instead of sending them to me They need to fit this mess, the y told me they had sent a letter to the report company 's and did not, the left my account as if payments were being made instead my bills became slate and late fees was charged they claim it was due to fraud activity in my account but some the bills was paid and some was not if was do to fraud activity why was some bill was paid and some was not, the money has left my account so where did it go I have asked the question before to date no answer. They lied about what happen and did nothing to fix it and lied about the cause, I want to know where my money went. And they correct my credit I get approve for nothing the refer to the late payments caused by Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited XXXX tax refund checks into my primary checking account on XX/XX/XXXX. Both the checks were in my and my wife 's name. I deposited the checks into my account through ATM booth as I deposited the tax refund check of last year in the same manner as it got cleared. My wife also has her ac with Bank of America. She put her signature on the back of both checks as she did last time and made endorsement that she received payment and has no objection if the proceeds are credited into my account. Bank of America made a correction and retuadjustment when I saw this I called their customer service a representative said I will receive the adjustment notice and returned checks within 8/ 10 business days. I have talked several time with several agents and supervisors and they give different time frame for receiving the checks. Today is the 16 the calendar da I am yet to get back those checks.

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 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I took out this loan 15 mos ago. At first it seemed like a good deal at the time. Then I found out after I had already signed to the terms that they had duplicated my student loans more than once when they were calculating my DTI. My loan was consolidated as XXXX loan at the time and it was in deferment so when they duplicated it they added it several times as a XXXX. I 'm not sur if this was to drive up the interest rate or what. Also they reported mostly interest to the front of the loan, so paying it off was going to take longer than it would a regular loan. Lastly I paid off the loan on the XXXX of XXXX. I was told that they were going to report it paid to the credit bureau on the first and mail me back my original contact, however they have not and I have already spent money on a credit report with my mortgage company, just to have it show inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I have not heard anything from my dispute. Ally says that I did not contact them about my check being expired, but I contacted them twice at the number that is on the check. They said the time is over for payment of my check. I would like for ally to honor my check or give me a credit for the check on my next car payment. I have already explained what happened and why the check did not get cashed. I do n't understand how they can send some money back to cfpb, and NOT know where or whom they sent it to. They did not even give me the courtesy of responding to my dispute.

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 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion dispute XXXX XXXX Reply| Yesterday, XXXX XXXX You I 'm looking at my credit report on XXXX and I 'm attempting to file a dispute with their automated system but it 's not letting me and then I logged into your website and it 's telling me I ca n't file a dispute so now I 'm contacting you through here and hope that you 'll help me file a dispute there are a couple mistakes There are XXXX accounts with this Bank XXXX XXXX shows a balance of {$1900.00} the other shows a balance of {$5800.00} both of these accounts have clearly been compromised and I 've been attempting to resolve this there are numerous fraudulent charges on both accounts both account should be closed immediately XXXX showing a balance of {$5100.00} I have no knowledge of this account this account does not belong to me never has

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 2017-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notified Experian numerous times, even sent a police report, letting them know my credit report is being accessed by unauthorized parties. I 'm including a notarized letter listing these unauthorized accounts and inquiries.

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 modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I fell behind on my mortgage after my wife became ill and the medical bills began to pile up. I was forced into bankruptcy and the payments are overwhelming. I hired an attorney to assist me in applying for a loan modification with my lender, SLS. My attorney submitted my complete financial package to SLS in XX/XX/XXXX ( Approximately XX/XX/XXXX ). My attorney has been calling SLS every week to follow up and provide any additional paperwork they may need. My attorney states they have been very diligent in providing all paperwork on time and confirming all paperwork was received. I was also informed by my attorney that servicers such as SLS are no longer allowed to " evade '' and stall the review process ( RESPA Regulation X ). I feel my servicer has done just that. Today is XX/XX/XXXX and my application and all paperwork has been submitted by my attorney. The most recent note are attached to this complaint. Just today SLS told my attorney that they were going to deny my application for missing paperwork. Today it has been over two months since I applied. All paperwork that was requested was supplied in a timely manner ( At most within a few days of it being requested ). SLS is playing games, dual tracking me, evading review and stalling when they have enough information to make a decision. I am on a monthly payroll. I only receive one check a month and that is it. My wife gets a very small income from royalties and other than that our application is very simple. My attorney states SLS is doing this on purpose to force me to get frustrated and just give up my house. This appears to have broken the RESPA laws and I would like the CFPB to look into it.

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 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have a auto loan with Toyota Financial services. The loan is in my name exclusively. My soon to be ex wife called them up and removed my phone number as the contact and went paperless. For whatever reason customer service allowed this. I stopped getting notices so I figured the bill was being paid. Unfortunately this is the 2nd time they allow her to do this even after I made it explicitly clear she was not to make changes to the account. 
I am know being reported for XXXX 30 day latest. This is effecting me and my job. I am a XXXX and I worked hard at keeping my credit clean. My understanding is that no one not a wife or parent can call in or a loan and change contact information. 

I said to then I could bring it current if they were willing to fix my account information and remove the lates. I of course brought it current any how. But I am afraid my information is not safe at this company since anyone can call in with my Social and change or receive stuff.. 

To this day they still have her email address on file and have n't updated it back to mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. 

Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. 

Equifax has been a horrible experience for their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Credit, LLC
State: NC

Complaint narrative:
Coastal Credit, LLC out of XXXX, TX contacted my neighbor on her cell phone several months ago and left a message that they were trying to reach me. I called back and it turns out they 're trying to get in touch with a woman who shares the same first and last name as me, who lives on the opposite side of the state. She has a different middle initial and is a decade younger than myself. I know this because he tried confirming I was her by giving me her full name, date of birth and city of residence. 

Today, I get a call from a coworker who says she got a call on her cell phone from Coastal Credit, LLC trying to reach me. I called back and it was the same person from Coastal Credit still trying to get in touch with this other person. He tried confirming I was this other person by giving me the street she lived on. I had enough information between both calls to pull up this other persons address, phone number, prior and scheduled court dates and public voting registration. 

Coastal Credit has been told twice that I 'm not the same person they 're looking for, have no outstanding debt, no account with them and they 've been asked to stop contacting me and my known associates. When I asked how they got my neighbors and coworkers information, the response was, " It 's just what we do. '' I have no idea how my information has been mixed up with this other persons even though we share a first and last name, but on two occasions they have contacted friends and coworkers. If I 'm not mistaken, according to the Fair Debt Collection Practices Act, they ca n't contact 3rd parties trying to collect a debt. They also shared this woman 's information to a 3rd party to the degree that I could walk up and knock on her door if I were inclined to drive across the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I got ma letter from XXXX. It 's for XXXX. I believe it 's XXXX. I have not had this account open with them in 8-10 years? It was charged off with no payments made if it is this debt they are trying to collect

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 card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My servicer did not generate a XXXX for my loan for 2016. I called for 3 weeks requesting that it be escalated and that I would write in to CFPB but they still have not done it. I have been lied to and bounced around and to add insult to injury - I called yesterday and the rep told me that I HAD TO STAY ON THE PHONE TO GET IT DONE. IF I HUNG UP THAT IT WOULD NOT BE COMPLETED AS HE WILL GO TO THE NEXT CALL. I explained that I stepped out of the office to get the status and could not hold on. I asked that the file be updated to have someone call me as the request was escalated per my request 3 weeks ago. I still have not heard from Ditech and I am unable to do my taxes without it.

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

Complaint narrative:
I received an audit statement from my mortgage company that my escrow account was going to be raised by {$200.00}. Then on XXXX XXXX, 2017 my mortgage company took thru an ACH transaction {$950.00} instead of the additional {$200.00} that was noted on my statement. I received no notice of that they were going to do this. When I spoke to them ( Ditech ) the response was that the escrow was short {$400.00} and that they would not be reversing the extra money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting a collection on my account through XXXX/XXXX. I spoke with a representative in which she advised Capital One bought XXXX Nevada but still disguising reporting using XXXX name. I was in a chapter XXXX bankrutpcy from XXXX - XXXX and Capital One was included. This account should have legally been discharged in this completed bankruptcy payment plan. Capital One is destroying my credit intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Mercedes Benz placed incorrect lates in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX payment was made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment made XXXX/XXXX/XXXX. XXXX payment XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
My parents entered into an arrangement with Nationwide Debt XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with Nationwide, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until Nationwide believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, Nationwide failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his Nationwide Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation