vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Recently I noticed my mortgage was not reporting to any of the 3 credit bureaus, after looking into it I found my mortgage was being reported as closed due to bankruptcy! 
After speaking with their customer service in XX/XX/XXXX I was told all they would need is my bankruptcy papers from XX/XX/XXXX stating that particular mortgage was exempt. On XX/XX/XXXX I scanned and sent copies of the bankruptcy paperwork showing my property was exempt as they asked. On XX/XX/XXXX I received an email stating that my home could not be exempt from bankruptcy! I called on XX/XX/XXXX to follow up, spoke with 3 different representatives in 3 different departments, customer service, closed loans and blue bankruptcy! No one has taken the time to follow the paper trail that would show this is an open, up to date mortgage that was never foreclosed or in bankruptcy. I did have another loan with the same mortgage company that did go to bankruptcy, I wonder if they are confusing one for another. They say no. I asked to speak with a supervisor on my call of XX/XX/XXXX and was told she was not in the building. Was once again told by yet another account rep that someone would get back to me. In the meantime I can not get the credit I deserve with the loan showing as a closed, and in bankruptcy account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Back in XXXX I received a collection call from my mortgage company that my payment was short. I was told my escrow account was short and I needed to make it up with an immediate payment of {$1700.00} and my payments were going to go up around {$900.00} a month. I asked them to explain the shortage and they claim to have sent an explanation back in XXXX of last year. I told them I received nothing but there must be an issue with the transfer when they bought my loan out from the previous company last XXXX. I also told them I made a payment myself of more than {$7000.00} to the XXXX County tax assessor to pay my HERO loan and to get the deduction for 2017. They also were trying to collect a missed payment they didn't receive from my last mortgage company ( Plaza Mortgage ) which has since been resolved. I was not happy and told them I would make the payments to keep my credit in good standing and they needed to send a statement proving I still owed this amount in unpaid escrow. I also have asked multiple times to stop my escrow account and they have refused claiming their policy does not allow it under certain conditions I haven't reached. I reminded them their conditions don '' t apply since I signed a contract with XXXXXXXX XXXX not them. XXXX 's contract did not forbid me from their conditions of 2 years and 80 % equity or better. I also sent them the receipt for the credit card payment I made and they told me a check for more than {$3000.00} and a statement has been mailed. I have yet to receive either even though I've been told multiple times on the phone and by email the proverbial check is in the mail! And they still refuse to cancel my impound account and I was briefly given poor credit rating on TransUnion credit bureau for their mistakes and poor accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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:
I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX XXXX. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, XXXX, and Experian ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.

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 2018-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted XXXX the branch manager at XXXX XXXX to attempt to refinance my auto loan with her, she took my application and informed me that she would get back with me, after a week had gone by with no return phone call, then I called her back and she avoided my phone calls for 3 days straight. On XX/XX/XXXX I decided to call a different loan place to refinance my auto loan with at XXXX XXXX XXXX, I had given XXXX at XXXX XXXX permission to give XXXX XXXX XXXX my current payoff while I was on a conference call with them, XXXX At XXXX XXXX then called back asking why I was moving my auto loan somewhere else and I informed her that I needed to refinance because I needed some additional money for vacation, she waited until this morning on XX/XX/XXXX and called XXXXXXXX XXXX XXXX back and wanted to speak with the branch manager there to disclose my payment history with them and went on to inform them that I had 5 returned checks since XX/XX/XXXX and 4 additional returned checks since then, so the branch manager from XXXXXXXX XXXX XXXX  called me right away to inform me that XXXX from XXXX XXXX was calling them and giving them information that neither they had even asked for due to privacy nor had I given XXXX at XXXX XXXX to disclose. I immediately contacted the corporate office of XXXX XXXX to find out why they allowed their branch manager to disclose personal information on me that I did not give permission to do and they had a District Manager by the name of XXXX XXXX call me, but he said it was not against any of my rights or laws for XXXX from XXXX XXXX to call XXXX XXXX XXXXXXXX disclosing my payment history and personal information, but I work at a Finance company as well and it violates my rights and we are not allowed to disclose anything to another creditor, especially to call them back just to make me look bad to the new loan company to keep them from doing my loan. I want something done about this and I want to be notified or if you can refer me to who I need to contact besides their corporate office or district manager because they are taking up for each other and I have all the proof and the branch manager as a witness from the new loan company. Thank you so much for your assistance in this!

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 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
XXXX XXXX appears to refuse to update reporting. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
The bill was paid in full and appropriate credits were given due to constant outages of service for the cable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX   XXXX, TRANSUNION and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, XXXX, TRANSUNION are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).

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 2018-06-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank CBNA is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a Citibank XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 Citibank CBNA was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.

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 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bryant Bryant & Associates LLC
State: WA

Complaint narrative:
On XX/XX/2018 at am, XXXX XXXX ( called from XXXX ) from Bryant Bryant & Associations asking for XXXX. He said he was an investigator looking for XXXX XXXX, and she was listed as next of kin. He claimed his client says XXXX is going around writing fraudulent checks and had been writing them to his client. XXXX asked who the client was, XXXX XXXX gave her a fax number for her to fax ( XXXX ) a Power of Attorney to speak on XXXX 's behalf about the case. I looked up to find they are a debt collection agency and I could not get through to a line. I, XXXX, do not owe anything, nor is it in my credit report of any missed payments, and I know for a fact I do not write checks due to the type of account I have. I have not received any notice on my report nor by mail of anything and feel I am being targeted because I am a XXXX senior. Plus, XXXX has not been listed on my forms in the past for anything let alone the number they called her on is not her personal number. I'm not sure if she is being the one actually targeted because she is 100 % XXXX permanent and total.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a prior complaint ( XXXX ) with Capital One in which they agreed to update the reporting status of my account from Derogatory and Charge off to paid in full. I received a letter dated XX/XX/17 where they said they had notified credit bureaus of the update and to wait for changes to be processed. It is now over a year and a half later. I have called multiple times to have the issue resolved to no avail. I am requesting that Capital One Auto Finance do as they promised and reflect the account status properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a XXXX XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 XXXX XXXX was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.

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 2018-06-18 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been disputing an account XXXXWells Fargo that XXXX as on my credit report. This account does not belong to me. Ive requested for the last two years that XXXX send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX/Wells Fargo which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is XXXX reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and XXXX as failed to do so.

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 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
The application does not have my signature and there this should not be reflecting on my credit.

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX  is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies

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 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I am filing this complaint due to the companies lack of valid debt as well as their refusal to acknowledge a dispute. I contacted this organization on XX/XX/18 at XXXX XXXX to advise them of a dispute in regards to 3 accounts that they allege is owed. Upon advising the company that I am disputing these accounts and that they contact their client to discuss the reasons, I was advised that I need to explain my dispute to the rep or my dispute was not valid. I again advised rep that her personal opinion as to whether or not I have a valid dispute is irrelevant and all she is being advised to do is Dispute the account accordingly. She refused to do so. I then advised company that they no longer are to contact me via phone or mail at which time again I am advised that they do not need to acknowledge my dispute or demand they cease and desist and I need to send them something. Since they are refusing adamantly to address their improper records for 3 accounts that are disputed this complaint is being filed. Hopefully this company and its employees will correct their incorrect demands as well as cease from ever contacting me in any form whether phone, mail, email or any other methods. I will also demand that no negative marks be placed with the credit bureaus due to this companies erroneous and frivolous accounts or a lawsuit will be filed due to violations of FDCPA as well as FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Camelot Financial Services, Inc.
State: OK

Complaint narrative:
I have and installment with XXXXXXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from XXXX. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXXXXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXXXXXX XXXX, which is right next door to XXXX XXXX. XXXXXXXX XXXX XXXX   are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has over the past several years tried to contact me multiple times a day, multiple times a week at all hours regarding a debt they have no right to collect. I sent them a registered return receipt letter on XX/XX/2018 to cease and desist any communication with me via phone and they keep calling. I did receive the signature card back signed. They are relentless with the calling, rarely ever leave a message but when they do it is threatening and just keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NV

Complaint narrative:
I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.

Company response to consumer: Closed with explanation