vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
XXXX I was notified by the City of XXXX that my XXXX tax bill was incorrect due to an error- an incorrect calculation resulting in an overage charge of XXXX dollars. The calculation was XXXX which was actually only to be XXXX and that the corrected information was sent to my mortgage company as well as a refund would be sent by the city of  XXXX. I have never seen the refund reflected in my escrow account, nor did I ever receive an overage check of XXXX or XXXX from Ditech. 

XXXX after noticing my automatic mortgage payment increased by over 200 dollars once again due to an incorrect escrow analysis. I finally took the time to investigate why my escrow is so off. I noticed that on the XX/XX/XXXX escrow analysis that the total taxes they calculated was once again XXXX more than what was actual paid to the XXXX County Treasury. After confirming with XXXX County that my tax bill is XXXX, and that Ditech is charging my escrow XXXX. I called and spoke to XXXX XXXX, who assured me she would open a dispute and have my escrow analyzed and investigated and she would call me back with 48-72 hours. I faxed Ditech 12 pages of tax statements indicating the overage, as well as the letter form the city of XXXX. I did not receive a call back with in the time that was promised. I have tried contacting them at least 3 other times since with not resolution. The Ditech Tax department does indeed state that it should only be XXXX, but nothing is being done about the overage payments credited to my account. 

I contacted my Loan officer, the city of XXXX, and XXXX County to verify that all my accounting information was correct. The recommend me filing a complaint to XXXX. It appears that my escrow is off by more than just XXXX dollars, and that a refund of XXXX was never applied to my account and I have been over assessed by at least XXXX form XXXX and now into XXXX. I am not getting any help from Ditech. Conveniently, after filing a complaint I am told my loan is not been sold to XXXX beginning XX/XX/XXXX. I have left a message with a Ditech supervisor, XXXX XXXX at ext XXXX who is supposed to be calling me back on Monday. However, with Ditech 's history I am doubtful he will return my call. Please Help! Thank you!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: SC

Complaint narrative:
I asked for an online payoff quote which was a certain amount. Then when I sold the vehicle to a dealer, the payoff went up by {$700.00}. When I inquired as to the disparity, Audi Financial told me there is a different payoff for a dealer ( based on fair market value ) than the payoff would be if I personally paid off the vehicle. I contracted for a certain amount of miles in my lease, and I paid that amount. It should be irrelevant how they are paid off. To resolve this, I had to payoff the lease, wait a for a title, and then sell the vehicle to a dealer. Audi is  participating in an unfair business practice and should be fined for this behavior. It's clearly corporate overreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened the credit card for Goodyear ( through Citi Bank ) on XX/XX/2018 when I got a job done for {$630.00}. The account was immediately opened and I was able to use it then. This was the only time I used this card. They were supposed to send me a physical card, and when I did not receive it in 6 weeks I called and found out my balance was over {$1200.00}. I live in Florida, and there were two charges made in XXXX, KY where I had previously lived. There was a cash advance ( Im unsure of that exact date ) and then a service job done for {$660.00} done on XX/XX/18. The company had send my physical card to an address that was never on any applications, and one that I havent lived at in over years, in a completely different STATE than where I was/am currently residing in. After I found this out I immediately opened a fraud alert and then made a police report. I told the company the only purchase I made was on XX/XX/XXXX and all others were fraud. I had to open a fraud case 3 separate times with this company ( that they kept denying ) until the last person said there was nothing they could do, and that I was responsible for the charges. Now, the company keeps charging me outrageous interest and fees, and god knows what else, and my original balance of {$630.00} is now at {$2500.00}. I sent a letter to the Billing Department about 3 weeks ago ( week of XX/XX/XXXX, I believe ) and have not heard from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My Father passed away on XX/XX/XXXX. Since then my siblings  I have filed with XXXX XXXX County as the heirs and owners of his home. We contacted Ditech in XXXX to inform them of our Father 's death and our inheritance of his home. We filed an affidavit of ownership and my siblings   elected me as their representative. I have been asking Ditech for information regarding his mortgage and repayment of it since mid XXXX. In XXXX I started corresponding with Ditech via phone and email so that I would have a paper trail. Ditech refused to acknowledge my authority and also refused to acknowledge us as heirs. We submitted all the documentation that they asked for several times due to them misplacing or losing the documents. My Father 's home needed many repairs and we are still in the process of making them. I have spent thousands of dollars for these repairs and am two weeks from completion. If the repairs would not have been made we would have taken a great loss because his home would not have sold for what he owed. I have an excellent realtor standing by to put the home on the market. She believes it would sell in less than two weeks. Today XX/XX/XXXX I received nine letters addressed to each of my siblings, myself, my Father and his Estate. The attorney did not send Letters to my siblings  at their address instead they were sent to my Father 's address. The attorney has all addresses for my siblings,  therefore have sent the notices to the wrong address. These letters are to inform us of the Auction of my fathers 's home on XX/XX/XXXX. I believe that Ditech has broken the Law by not communicating with me about the assumption of his loan or the amount of his payments or his due balance. They have not responded to almost all emails that I have sent and there has been no follow up or follow through with them. We were prevented counselling due to the fact that Ditech would not acknowledge us as the owners of his home therefore HUD counsellors would not speak to us. We are in dire jeopardy of losing his home due to Ditech not following RESPA Laws and refusing to speak to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have applied for an Fannie Mae refinance on XX/XX/2019, through Citizens Bank, who have already given me a Home Equity Line of credit and personal loan to renovate my home. My mortgage banker XXXX XXXX was very helpful and seemed to think the deal was cut and dry. After the initial paystubs and tax documents submitted, XXXX XXXX said the process should take 45-60 days, even with a few items to be completed on the home, ie : additional bathrooms and decking need completion. I was locked into a mortgage rate at 4.375 %, which has expired due to bank dragging out the process since XXXX XXXX left the bank. 

The refinance is to incorporate all of my building expenses, that were taken from the equity, personal loan and credit cards, which funded the construction. At the beginning of this process, I had a credit score in the 780 's, and able to show income to support the approval of a loan and have {$300000.00} in equity after recent appraisal. As time goes on, my credit scores drops monthly due to credit cards being at their max levels from construction costs, which will make it difficult for me to start over with another lender if Citizens denies my application. 

Since we started the process, my original mortgage banker has " left '' the company or was fired and I was assigned to his manager, XXXX XXXX. Every week, XXXX XXXX asks for one document or another and stalls the process out- one week or two weeks at a clip, after receiving same. There is no mention of a potential closing and there is a huge lack of communication between the bank and I, as to how far we are in the process. XXXX XXXX will not take phone calls with me and limits communication to single email requests. As each week goes by another request comes from the bank and another week passes. They even have requested that we have 3x reserves, but will not accept cash on hand, that we have held from our equity line. 

Recently, XXXX XXXX requested that I put a hand-rail on our temporary deck and informed me that the Appraiser would need to take pictures of same. Today is XX/XX/2019 and XXXX XXXX just informed me that the appraiser didn't send her what they requested and therefore we have more delays. With XX/XX/XXXX upon us, we are seeing another long holiday give Citizens bank another 2 weeks of inactivity on my file. It appears that Citizens keeps moving the goal posts and delaying the process, for reasons unknown to me. While time keeps escaping, I am paying high interests on loans that Citizens gave me- to do the renovations and I am stuck in a virtual whirlpool of loan application uncertainty. I would like the CFPB to investigate my file to make sure that Citizens bank is processing my application fairly, as the constant delays and requests for documents, seem to be delay tactics extending me into the summer and placing me at risk for a higher interest rate mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.XXXX XX/XX/19 2.XXXX XXXX XX/XX/19 3 . XXXX XXXX XX/XX/19 4.  XXXX XXXX XXXX XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: IL

Complaint narrative:
I have contacted Experian and let them know that I have several accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of Education/XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. After informing them of this problem there was nothing done to fix the problem.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED BKXXXX AND STILL DISPLAYS AMOUNTS ON XXXX!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX  XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TX

Complaint narrative:
Someone open an account under my name with the XXXX XXXX XXXX XXXX in the amount of {$360.00} On XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from.

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from. 


thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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:
I entered into a 5 year Chapter XXXX Bankruptcy Plan on XX/XX/XXXX and completed or discharged successfully on XX/XX/XXXX. However, upon receiving a copy of a new/updated credit report I'd noticed that one account with XXXX XXXX   inaccurately shows that I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX which is totally false. I have not filed any other Bankruptcies and in fact I have advised Experian of this on several occasions in the dispute process with them ever since. After disputing this a second time over the phone I was provided a report number of XXXX for XX/XX/XXXX dispute which resulted in NO CHANGE once again. I have provided to them a copy of the letter sent to me by XXXX advising that his account was in fact PAID IN FULL. I have no other means of proof to provide. This is hurting my credit score tremendously as well as my chances of owning a new home. I would like to reiterate the fact that I have never actually filed a Chapter XXXX in the court of law. The only Chapter ever filed was a Chapter XXXX which again was discharged XX/XX/XXXX and I am over 5 years removed from this chapter of my life and should actually be on the road to credit recovery. XXXX and Experian have inaccurately reported to the bureau this misinformation and have also failed to provide me with the proof that I even filed a Chapter XXXX which I never did. I would like for this matter to be swiftly and efficiently resolved in a timely, fair manner but they are refusing to do so. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I called Best Buy XX/XX/2019. I told them I wanted to pay off my balance and settle my account so it could be erased from my credit report. I also tried calling them 2 weeks before and talked to another representative and they told me that I could not make a payment or make a settlement offer they said that my account was in statue of limitation. I am needing to pay that off and try to get this settled so that it does not show on my credit report since I am trying to buy a house. I hope you all can help me with this company. I love Best Buy I just wish they would be helpful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: CarMax, Inc.
State: TX

Complaint narrative:
Someone use my information to obtain a car loan with car max auto finance

Company response to consumer: Closed with explanation