vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
During the course of our Chapter XXXX repayment plan our lender failed to credit our account appropriately for XXXX payments. We have contacted them on several occasions over many years, but they have yet to credit our account properly. In each of our disputes, we provided the lender with the proof showing the payments have n't been properly applied and they still wo n't correct these accounting errors. They are as follows : 1. XXXX - Payment never applied, shows received on XXXX, principal balance is {$170000.00} before payment is received and remains that amount until XXXX. Payment shows in unapplied funds column of the payment history as provided by the lender. 
2. XXXX - Payment never applied because of reversal errors in accounting. The principal amount of our loan after the XXXX payment was {$160000.00}. A payment was made on XXXX. The lender applied the payment twice, then reversed the payment twice, then reapplied a payment, then reversed the payment. This left the balance at the end of XXXX after making a payment still showing {$160000.00}. 
3. XXXX - Payment never applied because of reversal accounting error. The principal balance at the beginning of the month was {$150000.00}. A payment was received on XXXX. It appears the payment posted twice but it only XXXX payment affected the balance. On XXXX, the payment was reversed causing the principal amount to go from {$150000.00} back to {>= $1,000,000}. Our payment for XXXX was received on XXXX and the lender contends that is the reapplication of the funds. However, we have shown proof, the XXXX payment was a new payment and not the reapplication. 
4. XXXX - Payment never applied because of Lender reversed it in XXXX. The payment shows being received on XXXX but not applied to the account until XXXX. This payment is inexplicably reversed on 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 2017-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was approved for a Loan Modification CITI Mortgage and made all of the the Trial Modification payments IAW the terms and conditions of the Trial Modification terms. CITI mortgage sent me Final Mod docs and the incorrectly are asking my Ex Wife to sign the Final Modification docs as a Borrower when she has no interest in the property ( the property is solely titled in my name and my Ex Wife never signed the original promissory XXXX XXXX multi State document. I signed the final Mod docs and noted o them that my Ex Wife refuses to sign them and also, I informed CITI 's Execute Response Representative the same. This past weekend I received a Demand Notice from CITI for payment in full though I have in fact returned the Final Mod docs with the requested XXXX Payment in accordance with the requested dates. At this stage of the process, I do n't to incur more attorney costs in defending myself from a Foreclosure XXXX by CITI. I just want the correct XXXX XXXX docs to be sent to me not asking for my Ex Wife to sign them and we can finalize this long process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged. 
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
XXXX sold my loan to NationStar. At the time neither bank wanted to accept my monthly payment. Each was saying it went to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
XXXX Mortgage has been reporting delinquencies to the credit bureaus for XXXX XXXX through XXXX XXXX. I did a modification of mortgage with XXXX as servicer for XXXX in XXXX through XXXX [ XXXX ID : XXXX ]. In a letter from XXXX they confirmed that they did not obtain this loan as a result of the XXXX Chapter XXXX XXXX bankruptcy filing under case XXXX. The servicing rights to the loan were sold to Green Tree Servicing and my account number with them was XXXX. XXXX did an Assignment of Mortgage to Green Tree Servicing on XXXX/XXXX/XXXX and it is recorded in Official Records Book XXXX, Page XXXX, Public Records of XXXX, Florida. After the Consumer Financial Protection Bureau and the Federal Trade Commission fined Green Tree, Green Tree Servicing merged into a new company called Ditech XXXX XXXX, who is now the servicer only has records back to XXXX XXXX per a letter I received from Ditech on XXXX XXXX, XXXX. I have disputed this incorrect information being reported to the credit bureaus and they have come back as 'verified ' but none of the entites remain except Ditech who does not have any information in their records from prior to XXXX. This is an issue I need resolved.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a checking account with Bank of America for almost 5 years. In XXXX Bank of America changed the terms and conditions of the account and began charging a new monthly fee of {$12.00}. They never sought my agreement or that I had acknowledged or understood the changes they would make to my account. At the time of the change I received e-communications from the Bank. After review of all of the communications that I received by email at the time of the change, I do not see that any notice of the change of terms and conditions was emailed, nor an explanation of the new additional fee. I have called Bank of America to contest that these changes were made without my approval, consent, or notification. In total they have charged me a total of {$240.00} XXXX XXXX XXXX. They only agreed to take off a single {$12.00} fee. I attach the regular email notifications I received during the time when the change to the account took place. They show that there was no mention of changing fees or terms and conditions. It appears as though there were mail notices sent to an incorrect mailing address, however since I had signed up for e-communications this seems like an inadequate excuse for not properly informing the customer and they never sought acknowledgement on my end or agreement to new terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX, Bank of America was ordered to put a freeze on my wife 's bank account for the amount of {$960.00}. The bank put a freeze on both of our joint accounts as well as her personal account for a total of almost {$4700.00}. They left us with {$0.00} in all XXXX accounts, which is against EIPA regulations. When I called to found out why our joint accounts were on a hold, I was told that the matter involves my wife and they can not tell me. When my wife called, she was rudely told that the agent can not help with the situation. He then put her on hold and then hung up. The next agent gave my wife the number of the collector that caused the hold and told her that nothing can be done until she speaks with the debtor, which was closed for the weekend. 
On XX/XX/XXXX, my wife was able to get in contact with the debtor and made reparations. She was told to go to the bank to get the {$2600.00}, that was not supposed to be held, released. 
I went to the bank and spoke with 2 managers. The first rudely told me that there was nothing I can do until the debtor mailed me the paperwork. The second manager told me the same, and brought me to a room to speak to the legal department via phone. The legal department informed me that the matter has to do with my wife, and they can not tell me anything ( even though it was regarding my accounts ). 
My wife called customer service and was told that a check would be sent out covering the {$2600.00}. 

On XX/XX/XXXX, my wife received a check for {$2600.00} for the amount that was excessively held.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Southwest credit sustem reported a charge for a XXXX cable debt that does not belong.. I am a very credit conscious person and always made sure that I stay on the right path ... I was a previous customer with XXXX for years..My family decided to go with XXXX because of their bundle plan which included wireless services so I contacted XXXX over 6 years ago told them about the change they instructed me to return the equipment and do I did at the XXXX shopping center in XXXX DE and all balance was cleared they were still trying to get me back as a customer,,, I checked my credit in XX/XX/2016 and there was a charge from Southwest credit system so I called them and they informed me it was for XXXX but they could not locate my information so I needed to dispute it with the credit Bureaus which I did, ,Later I was informed by the credit bureaus that they stated it was valid and it was from XXXX ago..It appears that from the dispute they located my information..I have since written the agency a letter and XXXX cable and there is no response ... This is ruining my credit and I need some resolution, ,Please help me as I do not owe this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( two cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,

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 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. 
On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. 
Enclosed is a copy of payment record from my bank, supporting my position. 
Please reinvestigate this matter and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. 
My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After a request to increase my company 's credit limit at the local disposal site, a credit report showed that someone, somewhere has opened a XXXX dollar line of credit to my business. This was not me, it was done without my knowledge, or permission. I have not even been able to get the name or contact information of the person or company that says the line of credit is/was opened. This is not possible, given I have no idea who they may be, nor any way to contact them. Please see attached copy of Experian 's credit report ( note COMMUNICTN o pg. 4 ) that was forwarded to me by the XXXX ( XXXX ), who manages the local waste refuse sites.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian Via Certified mail XXXX, Rec 'd on XX/XX/XXXX. I had requested a copy of the verification from Experian for the Chapter XXXX Bankruptcy ( # XXXX ). I contacted the US Bankruptcy court and was informed that they do n't deal with credit reporting agencies. That they have there own sources to place inquries on my consumer report. I have placed Security Freeze back on XX/XX/XXXX, XXXX, XXXX, XXXX And XXXX so I am not understanding how Experian was able to verified Bankruptcy, so I have a freeze on 3rd party consumer. I demand that the Bankruptcy be removed from my file due to lack of verification and inaccurate reporting of verification date. I have not receive the documentation shown proof of verification. Because third party consumer do n't disclose information on accounts with a security Free place on them. 
Also on XXXX inaccurate social security number was place on my report : ( XXXX ) Does not belong me.

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 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kenneth, Eisen & Associates, LTD.
State: AZ

Complaint narrative:
XXXX XXXX wrote of sums of money and sent it to Kenneth, Eisen & Associates, Ltd. 
Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX who place XXXX debt collection on my credit report. Only to find the amounts and monies owed to XXXX XXXX were erroneous, there has been no pre validation attempts by the above mentioned Debt Collector nor a 30 day dispute process the information was automatically just posted to my Credit report. After speaking With XXXX XXXX it was their error that this went into this state of collections. This collection agency needs to remove BOTH collection records on my Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens Bank took {$730.00} from my checking account three days after I made a payment of {$850.00} to bring my account current. They claim their credit department called me to get my permission. I received no such call. Their credit department would know that the account was current. They appear to be acting like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I have a mortgage with Citizens One Home Loans which commenced in XXXX 2016. The mortgage amortization schedule was incorrect established at inception which they acknowledged. However I believe they made errors when recasting and adjusting the payments which caused inaccuracies in my 2016 YTD principal, interest and escrow balances. I have been trying to obtain resolution for several weeks but despite several requests for them to review my 2016 payment profile, they have not yet responded. Most recently I have been in touch with XXXX XXXX in the Chairman 's Office, who promised to get back to me within a few days, but over 2 weeks later I still have not heard back despite calling him on 2 further occasions.

Company response to consumer: Closed with explanation