vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I have recently received a certified letter from my mortgage lender indicating that I  may  be foreclosed upon soon. However, for the past 5 years I have been in a Chapter  XXXX  bankruptcy and all payments have been made through the  Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech  refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender,  Ditech  with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from  XXXX  to  XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX we were struggling with our mortgage payments on our XXXX mortgage with citibank and we were underwater. They were offering loan modifications so we signed up. We had been in the house for 35 years and wanted to stay. That process of loan modification began a 2 year paperwork nightmare during which they told us to make {$1200.00} a month payments because that 's about what our future payments would be and we did. During the process they readily admitted they did not know exactly what they were doing. Eventually we were notified that our modified payments would be {$2200.00} a month, which is {$100.00} less than we had been paying before we started the modification process. The girl from citi actually said " Whoops! Guess we got that wrong! '' In addition, they applied back interest so instead of owing XXXX we now had a mortgage of if memory serves {$230000.00}. They agreed to a short sale but would not modify our mortgage to {$170000.00} and let us keep the house. We let it fall into foreclosure and citi sold it for {$80000.00} since it had fallen into disrepair, a couple of years later to a house flipper. At the very end they transferred our mortgage to XXXX who tried to collect money from us.but somehow citi was still the bank that foreclosed. The house flipper spent about {$20000.00} to refurbish and sold it some poor unsuspecting person for {$400000.00}, more than {$50000.00} above appraised value. Citi ruined our lives by stringing us along for two years thinking we could keep our house with a loan modification and then making it impossible. It ruined our lives and we will never recover because at the time we were already into retirement age and now we are in our XXXX. I knew we were scammed but I could n't prove and still ca n't because I do n't know what went on behind the scenes. I suspects their confused and untrained representatives stuffed and maybe destroyed documents they had no idea what to do with. It is now XX/XX/XXXX and I have only now been able to rise above the devastation enough to put into words what little I know about what happened to us.If citi had been honest instead of stringing us along for years, we could have sold the house and walked away with, probably with no profit but at least without suffering forclosure and bankruptcy.

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 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
Credit Control , LLC initiated an illegal and unauthorized inquiry upon my credit report. I have never done business with Credit Control , LLC and have never authorized them to access my credit report - let alone give them any personal information. The erroneous request occurred on XX/XX/2017 by CREDIT CONTROL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX. 

I am asking Credit Control , LLC verify why they conducted this inquiry, provide authorization ( if any ) showing why they were allowed to access my personal information, and provide me with their records concerning any debts, account openings, or financial transactions that gave them a legitimate business reason to, as required by the FCPA, to access my credit report. 

Finally, please immediately remove the inquiry and provide the requested documents ( if any ).

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Lien on my credit report with Transunion does not belong to me it belongs to my sister in law with different date of birth and social. Disputed with Transunion and they refuse ro remove.

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 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
loan servicer is VERY unhelpful for very simple customer services issues for military service member : 1-payments made toward PSLF are not updated and require many many emails or calls to update. 
2-Income driven repayment recalculations due to changes in income are not properly vetted and despite submitting tax returns and XXXX 's they do not make the changes. 
3-employment recertification is PAINFUL every year. i am in the military on XXXX XXXX but every single year my recertification is denied, rejected, or needs to be re-submitted for one reason or another. 

please help servicemembers receive better support!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.

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 2017-04-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Hi.My name is XXXX and i had filled a complaint against XXXX # XXXX on XX/XX/XXXX # XXXX.The complaint was about them lowering my monthly payments and lower my monthly interest as well. I was paying XXXX a month at XXXX that was all interest payed many years and seem like the was not budging. Then XXXX change the payments a month from XXXX a month to XXXX. When I made a complaint to CFPB they seem to lower the monthly payments to XXXX as of XX/XX/XXXX XXXX has transfer notice to my first mortgage company on XX/XX/XXXX to informed me that i will making payment with SPS Select Portfolio Servicing. This is my new account number my XXXX SPS account # XXXX this is my XXXX mortgage SPS account # XXXX im ok with the XXXX mortgage. i just want them to lower my monthly payments from XXXX/SPS now that i will be making payments to SpS. There address is XXXX, UT XXXX PHONE # XXXX thank you. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX XXXX XXXX XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
In addition to repeated and frequent calls, when I have reached out to them as well as the original debtor ( XXXX ), Trans world systems has continued to lie to me, telling me that I HAD to make payments to my account ( even though they have set up 2/3 debt collections from my Military Pay as well as taken 100 % of my tax return ). 

When I was told to file for hardship paperwork ( in order to get the 2/3 's debt payments reduced ) by the original debtor through Trans world, I contacted trans world and was told that they do not have hardship paperwork available that I would have to make payments to them only. 

I called the original debtor back and told them and was told that Trans world is lying to me and that I needed to call again to get the hardship paperwork sent to me. My contact at Trans World is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC
State: CA

Complaint narrative:
We went in to discuss the loan process. They ran our credit to tell us what we need to fix first. That was in XX/XX/2016. Now were being notified that we were denied a loan we never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I had my XXXX bag stolen on XX/XX/2017 in XXXX, TN. 
On XX/XX/2017 I reported to XXXX and to XXXX XXXX XXXX, Discover and others of the thief online because I have hearing impairments in both ears. On XX/XX/2017 Discover sent to me a confirmation number stating that I requested to have {$600.00} removed from my checking account when I was at a police station, then at a XXXX to get an affidavit, then back to the police department. In other words at XXXX I was first too tired to request a withdrawal and secondly, I would never request for such a hugh an amount unless won the lottery which I do not play or became rich over night. I only authorized for Discover to withdraw {$220.00} for that month and that was it. Later that month Discover tried to withdraw {$1000.00} then days later {$6000.00}. My bank allowed Discover to withdraw {$220.00} and then {$600.00} which Inever I never approved of. 
After I filed a complaint to BBB the {$1000.00} and the {$6000.00} request were withdrawn and my bank charged me fees to reverse something I never approved. I did not have any more money in my checking account after {$1500.00} was withdrawn to XXXX and Discover which took the monies and placed them on my stolen cards. 
Both banks closed my manageable accounts so that I could no longer print or view what had happened. 
Both banks have not requested for payments on either cards stolen since XX/XX/XXXX even though my credit reports state that I still owe both banks. 
XXXX has not requested for my Visa XX/XX/XXXX payment even though I indicated an amount to be paid. Now my XXXX master card has {$1000.00} on it while it did not prior to the thief. 
XXXX also approved an increase on XXXX card after it had already turned me down a month earlier. I have both emails. 
I have not received any mail in regards to my debt either from either company. 
I do not have my special equipment to receive or make calls so what can I do? 

Thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: OR

Complaint narrative:
I have paid XXXX the amount I owed them twice already of {$310.00}, each time to a different collection agency. Now, three years after i paid off the last collection agency I received another collection letter that I owe them another {$310.00} and this is a third different collection agency. I do not owe XXXX any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX, XXXX, and Transunion, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My student loans are handled by Navient. When I completed XXXX school in XX/XX/XXXX I was under the graduated repayment plan. This plan indicated that my loans would be repaid in 10 years. I have not changed my status and I have made all on time payments. When I looked at my loans recently I was shocked to see that the loan end date for the majority of my loans were in XX/XX/XXXX. That is 30 years post graduation and a far cry from the 13 year repayment plan. I want to know what steps can be taken, if any to repair this. I have in good faith made payments only to find out that I will be paying until I retire. When I spoke with the Navient customer service representative he sent me repayment information schedule that states that the repayment plan is a 10 year plan, which does not represent what I am currently paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the account with XXXX numerous times and it keeps coming back as verified but nothing is being sent to me to validate the actual debt is mines. They keep updating my report but not showing the correct proof to prove why they are updating it state as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Received a letter from a company called Midland Credit Management about a very old credit card debt that was voided in court nearly 9 years ago. They are attempting to get a payment from me, but admit in the letter that the statute of limitations has passed on the debt, while not acknowledging that the debt is no longer even valid. My concern at the moment, due to reports from others who have dealt with them, is that they will try to damage my Credit history in an attempt to blackmail me into paying them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau
State: IL

Complaint narrative:
This company ( Medical Business Bureau ) reported a collections account debt on my credit report ( XXXX ). They did not send me any written letter regarding the existence of the debt. I have never done business with this company and the info posted to the credit bureau is false and a violation of my right under FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

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