vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
To whom it may concern, I have sent Ditech Financial LLC ( " Ditech '' ) five different letters on XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) to the designated following address ( given by Ditech ) where mortgage loan customers are requested to send any Qualified Written Request, Notice of Error or Request for Information : XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX per resolution letter submitted to me. 

Ditech finally sent a letter on XX/XX/XXXX to work out an option for a reinstatement and repayment plan along with a contact representatives name and number. I attempted several times to reach the person, left messages including e-mails to Ditech and have not received a response. 

I have not heard back and as of today, XX/XX/XXXX, and, the only correspondence I have from Ditech in regards to the request is dated XX/XX/XXXX in a letter stating that they would get back to my request as their research has not concluded. 
Again, I am trying to obtain a repayment plan for a nine ( 9 ) month period with an additional borrower to the account and with the understanding of moving forward with past-due amounts being spread over a set time frame onto the existing mortgage payments as inclusive of the monthly mortgage payment increase with future mortgage payments. The total due as of today is {$17000.00}. 

Moreover, I am trying to obtain information from Ditech so that this matter may be expeditiously resolved. I have made Ditech aware and reiterated information that they already have where they can send information inclusive of XXXX XXXX , phone numbers ( secondary contact person, etc. ) along with e-mail. Thank you for all your assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
on XX/XX/2019 RECEIVABLES PERFORMANCE had placed a collection account on my credit report for {$12000.00}, as original creditors are XXXX, which I never made any business with XXXX at all, I have called them on the same day to figure out what's this about, they gave me the wrong social security number does not even belong to me, and I have asked about any paperwork from XXXX to be sent to me but they refused to even discuss that and she hung up the phone soon I start to ask about my right to get any paperwork from them or from the original creditors, I have called them a few times after asking for the same thing and they still refuse even to talk to me, that's illegal act and it's destroying my financial life I made contact with the original creditor ( XXXX ) they gave me wrong personal information about who has the account such as social security number, address when I called the collection company again to tell them about what happened with XXXX, that's they reported to the wrong person they hung up the phone

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 2019-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a XXXX credit card on XX/XX/XXXX. Before as well as aftet I was approved for the credit card ; I was informed that I could shop in stores immediately with a 16digit account number that I was provided. On XX/XX/XXXX I dropped my vehicle off for {$600.00} worth of services. When I arrived later that day to pick my vehicle up I was advised that I needed a physical card to pay for the services. It is now day 13 of me being without my vehicle! I have went to management and received no helo what so ever. I am soon about to seek legal help since bobody seems to care.

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 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OR

Complaint narrative:
I closed this account in XX/XX/XXXX, there was a balance of {$97.00}, that should not have been charged. I spoke with XXXX and was told the amount would be written off. Now 7 years later with no notice, Im sent to collections. I no longer have all my notes from XX/XX/XXXX. I spoke with XXXX XXXX at Enhanced Recovery on XX/XX/XXXX, explained the situation and was told he has put in a dispute with XXXX. 

I dont understand how 7 years later, Im sent to collections with no notice, is that legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I'm a victim of identity theft and I didn't apply for anything with Pentagon. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account? Please provide me with all written documentation within 15 days or this is a violation and you must DELETE it from my credit report.

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 2019-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I CALLED NAVIENT IN XXXX TO ASK ABOUT THE PUBLIC STUDENT LOAN FORGIVENESS PROGRAM. I WAS INFORMED THAT MY STUDENT LOANS QUALIFIED FOR PUBLIC SERVICE LOAN FORGIVENESS. I HAVE FFEL LOANS. I PAID MY LOAN PAYMENTS RELIGIOUSLY. I HAVE PAID MY LOANS FOR 18 YEARS. I APPLIED FOR PUBLIC STUDENT LOAN FORGIVENESS IN XXXX. I RECEIVED A LETTER INFORMING THAT I DO NOT HAVE DIRECT  LOANS AND SO DO NOT QUALIFY. I CALLED NAVIENT AFTER I RECEIVED THE LETTER AND THEIR RESPONSE WAS " OH WELL ''. AFTER I FILED A COMPLAINT, THEY RESPONDED BY SAYING THEY HAVE A RECORD OF MY CALL IN XXXX  BUT NOT THE CALL IN XXXX. SO AGAIN, " OH WELL ''. I DO NOT KNOW IF THAT CALL ON XXXX MAKES A DIFFERENCE OR NOT OTHER THAN TO PROVE TO " SOMEONE '' THAT THIS IS A TRUE ACCOUNT OF EVENTS, HOWEVER, I AM SEEKING ASSISTANCE WITH THIS SITUATION. I UNDERSTAND THAT SEVERAL STATES ARE INVOLVED IN A LAWSUIT WITH NAVIENT FOR EXACTLY THIS SAME TYPE OF SITUATION. UNFORTUNATELY MY STATE IS NOT INCLUDED. IS THERE ANY REPRIEVE FOR SOMEONE LIKE ME WHO DOES NOT HAVE ANY REPRESENTATION? I AM ASKING FOR SOME ASSISTANCE PLEASE. THANK YOU FOR LISTENING. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Since XX/XX/XXXX Chase has been running " a credit application '' for various " amazon credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so  the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.

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 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Early in the loan payment schedule with Wells Fargo Dealer Services for my 2012 XXXX, I applied for payments in the amount of about {$260.00} to be automatically debited from my account. I triple checked that information for the company to respond to my request was accurate and checked that it provided and the right information so that they would not have any problems automatically taking the funds out of my account I repeatedly did this. In the many months since, not one payment has been automatically debited. The company unfortunately can not properly service the loan account. I would like my funds to be remitted and for the loan itself to be canceled.

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 2019-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: SC

Complaint narrative:
PMAB KEEPS SENDING LETTERS ABOUT A BILL THAT IVE ALREADY SPOKEN TO SOMEONE ABOUT AND IM FEED UP MY HEALTH IS AND ISNT HEALTHY ENOUGH FOR ALL THIS AGGRAVATION AND I ASKED THEM TO STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-05-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX account there are two XXXX  XXXX accounts showing on my credit report when there is only suppose to be one account not a duplicate account Date open XXXX-13 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a PNC bank cust. Another PNC bank customer ( XXXX XXXX ) had a listing for a house for rent. He showed me the house and I signed the lease. He requested I pay him with XXXX since we both had the same bank. I had never used XXXX so I visited a branch nearby and the assistant mgr walked me through it. {$1000.00} on XX/XX/2019 for security and pets and {$700.00} on XX/XX/2019 for 1st month rent. Afterwards the guy stopped returning my calls and through the local police I found out he didnt even own the home and it had been sold. I filed a dispute with PNC because this was fraud and a XXXX  violation but they told me since I initiated the two transactions I was at fault and they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TN

Complaint narrative:
Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX XXXX accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.

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 2019-05-24 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: BB&T CORPORATION
State: SC

Complaint narrative:
It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. 

Please provide me a copy of a signed credit application or document showing I specifically gave your company the authorization to review my credit. If you can not provide me the requested proof within 15 days I request that you immediately DELETE this item from my credit report. 

Please note any template letters, or off subject information requested will be taken as an avoidance tactic by your company.

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 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I keep getting relentless phone calls from what I'm sure is a psuedo collection agency named XXXX. The 2 phone # 's that call the most often are XXXX and XXXX. 
They have been calling my phone every day several times a day for the past few weeks. They started calling my family members as well. Whenever I would answer it would be dead air. When I let it go to XXXX they would never leave a message. When I would block my # and call them back to find out who was playing on my phone I would get a message that the call couldn't be completed as dialed. 

Today, I answered ( XX/XX/19 ) and there was a person on the line named " XXXX ''. 
Yesterday a " Mrs XXXX '' called my sister from the same # 's looking for me. 
" XXXX '' said to identify me she needed to verify my full name, DOB, and SSN, as well as address and proceeded to rattle items off and said that they had a collection for a Citi MC that had been assigned to them for me. Mind you, I have a credit watch set up and I have NO collections, no pending litigation, and have never had a Citi mastercard. 

I was threatened with not only negative credit, but also wage garnishment, and was told I was being sued for breech of contract, and that they were also going to place a lien against my house ... 
I told her they'd better remove my number from their list, stop calling me and my family and that I was reporting them and then hung up. 

These calls are a form of harassment and the CFPB should take action against these companies to the full extent of the law to protect consumers

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 2019-05-24 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: GA

Complaint narrative:
ON THESE DATES BELOW THESE INQUIRIES WERE ADDED TO MY CREDIT FILE WITHOUT MY PERMISSION OR AUTHORIZATION. I DID NOT AUTHORIZE THESE COMPANIES TO INQUIRY INTO MY CREDIT FILE. 
XX/XX/19-XXXX XXXX XX/XX/19-XXXX XXXX-XXXX   XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX   THEY ALSO HAVE THE NAME " XXXX XXXX XXXX '' ON MY CREDIT FILE, I WOULD LIKE FOR IT TO BE REMOVED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a complaint to follow up on cases- XXXX XXXX ; XXXX. 
These complaints above mention. There is a person that I have spotted 3 time. The person was taking photos of me at the gym. Trail me from the gym to my house. The person is white male, tall, with a beard. Yesterday he was driving a blue pick up truck. When I took a look at him he cover his face. The same person was again this time I was going to the park and the same person again this time he was driving a blue versa. Just now I was going to my a person with a same description was jogging around my house.

It since that this is a tactic used to intimidate me. I have file a police report. The police told me contact them a soon as you see him around my house.

I looks this is an intimidation tactics from Midland collection that are trying to collect money I dont owed. I am affraid for me and my wife. I filed a police report.

There was disputed with midland collection. They asked for a 60 days state. Maybe they wanted time to contact private. I hope CFPB to action in this matter I am affraid for me and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
For over a week I have been contacting Lakeview Loan to get my payoff amount corrected so I can complete my refinance. A week of endless headaches and calls with no resolve! No one will call me back and help me. No manger or supervisor has handled this or called me back as promised. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
showing td bank never been inaccurate information FCRA violaton must be removed How can XXXX tell us we can not get helped by a 3rd party with theyre licease and experienced?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
Dear Arvest, Everything about Arvest is unnecessarily hard to deal with including this form. I have now had 4 telephone calls with Arvest over the last 6 weeks - averaging about 40 minutes each. I have also sent in more money than you said I owed both to make up for the shortfall in the escrow that you created and to overpay my monthly autopayments to make sure that the next time you fiddle with my monthly amount, Ive got a buffer. You still haven't fixed my account. You are still charging me late fees. You still have money that I sent you over a month ago, showing as unapplied payments that more than covers the amount you say I owe. You are still reporting me as paying late to credit agencies and ruining my credit for no reason. You leave me no choice but to communicate with your regulators.

I had this loan for years and never had any problems with it. No late fees, no miscommunications. Then Arvest bought the loan. Nothing but problems and a huge time XXXX. You said you would get to the bottom of this. You said you would make sure the payments are applied correctly. You said you would call me back. You have done none of these things. 

Have a nice day!

Company response to consumer: Closed with explanation