vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Ditech Financial is the servicer for loan. The borrower XXXX XXXX in XXXX 2016. The borrowers estate had to go through the probate process as he XXXX with no will or trust. The probate attorney we are working with advised the estate should not make any payment to creditors until the notice period has been completed and an estimated sale date for the property is known. I have explained to Ditech the situation and requested all late fees and penalties be waiver because of the unique situation. Ditech has refused repeatedly to waive the late fees. They have claimed no one at Ditech has the ability to waive the late fees. I know this is not true. I was also told by Ditech that the investor of the loan, XXXX XXXX, had to be the entity to make any decisions on the loan. I called XXXX XXXX and they said the servicer, Ditech, has full delegated authority to make decisions on the loan. When this was presented to Ditech they said the late fees could not be waived. I am disgusted at how Ditech has dealt with this loan. Ditech also said there is a {$19.00} fee to pay by phone, but you can use a free option on line. When I tried the online payment the system said the account was not eligible for free online payment. I have a history of conversations and actions with Ditech over the past 8 months if you would like to see how bad their service is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ascension Recovery Management
State: CA

Complaint narrative:
I used to own a car XXXX XXXX XXXX few years ago. I sold it back XX/XX/XXXX to a car dealer in XXXX. Same day i logon to dmv for release of liability. New owner bought the car was given a street parking ticket and was towed. ASCENSION RECOVERY MANAGEMENT said I owe {$1200.00}. Quick I explain my story and have proof I sold the car. They agree to remove charges back in XX/XX/XXXX. It still shows open on my credit. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: CA

Complaint narrative:
Complaint following complaint # XXXX I have attempted numerous calls X/XX/2017, X/XX/2017 left numerous messages to XXXX XXXX XXXX rep at Collections USA and left messages on main line for a call back pertaining my case with XXXX XXXX XXXX in the amount of {$4900.00} for early termination due to domestic violence. State law ( XXXX. Rev. Stat. XXXX ) provides early termination rights for tenants who are victims of domestic violence and ( XXXX. Rev. Stat. AnnXXXX XXXX XXXX XXXX ) for providing access to my sole leased apartment to my ex husband and witnessing him entering my apartment through a balcony ( email sent to XXXX and XXXX subject line security ) and not calling the police. I was granted relocation to XXXX as soon as my divorce was finalized for safety ( in decree documents ). Collections USA Inc. has been unresponsive to my efforts to clear this debt and remove it from the credit bureau. I have the following mentioned documents and they wo n't answer my calls to provide them with requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: CA

Complaint narrative:
Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EZCORP, INC.
State: TX

Complaint narrative:
I 'm being threatened with legal action for an account that was closed in bankruptcy in 2010. This account is about 15 years old and is not actionable. I plan to sue this company for illegal collection practices. XXXX XXXX from XXXX XXXX is in direct violation of fdcpa collection practices. They will both be named in the lawsuit. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I reached out to them in regards to getting a home loan and was told to get an appraisal 2 inspections pay the ernest and dudiligence fee which I did and they day of closing I get told by Also they are stopping the check not and I now have to find a whole new place to live since my current residence lease was up and I was told to turn in my 30 day notice because I was set to close yet the day of closing told me they could n't approve it after I have the documents telling it was approved so I spoke with XXXX she said to submit the receipts and stuff for what I spent so I could get refunded which I did n received no response so I did a BBB complaint a XXXX calls me said he has no record of the loan or anything I was stating I told him all my transactions are with usaa it 's all there he hung up on me and responded to the complaint as completed and satisfied I responded back to the complaint and XXXX reached out XX/XX/XXXX I asked her to call me back in an hour because I was at work I get an email like I stating she tried to reach out to me which was a lie she only called the one time and I answered she said she would call back and did n't so I responded to the email stating no one called me she then called and would n't let me talk kept over talking me telling me she did n't have any record or anything and I needed to send it to her which I said I would and but would want to be compensated for this as she should have it and I should n't have to keep doing the same thing over and over it was a stall tatic and we hung up she sent an email stating if I had any other questions to call her and stated things she never said so I wrote my response she called back and called me all sorts of liars telling me I was n't told what I was because no one there would tell me I would get anything back and that she called the company the errnast the to money was sent to and I needed to get it from them but she ca n't help me and I ca n't speak to anyone else she was reading notes that people left and I asked for the names she said I already had and refused to give it to me and asked to speak with someone else she wouldnt allow me to told em there was no one above here and even if I wrote a letter it was coming to her I got mad because she wouldnt stop over talking me and I said some rude things she hung up I called back she sent me to voicemail I left a message that she was incompetent at her job and I would tell a lawyer because she doesnt run USAA and I researched attorneys and came across you I hope you can help me this has been going on since XX/XX/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 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My wife and I request our free credit reports from the 3 bureaus every year since it first was offered. Our most recent request was XXXX XXXX, 2017. Neither of us have problems with XXXX or XXXX. My wife always receives her eperian report promptly.
However, I have a complaint about experian. EVERY year, they ask for " additional '' information on myself. Name, SSN, address, date of birth PLUS copy of government ID PLUS utility bill. They say they can not find me and offer " special offers ''. In other words, they do not want to give the free report, they want me to buy their products.
My wife and I have the same address and same accounts. I provided all requested info and document copies, but they still can not find me. This seems wrong to me. I have purchased my report in the past and they can magically find me. I think experian needs to be a more professional company. Of course, you ca n't call them and it takes so long to hear back when writing. Please help.

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 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Again, Bank of America is charging me an overdraft fee but clearly on my checking account activity log ( which I will attach a copy of ) my account did not go negative until my overdraft fee. This seems to be a problem with Bank of America. I do not see how they can charge overdraft fees when my account does not show a negative balance. I feel that this banks system of doing things needs to be investigated.

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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: CO

Complaint narrative:
I had a collection with XXXX that i paid and it is still showing up on my credit report as an open collection. I 've attempted to dispute the item with the credit bureau and the company has verified that its owed when it is n't.

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 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have made several attempts to resolve several matters including incorrect addresses, inquiries added back to the report after being removed and the continued failure of Transunion to exclude an account from bankruptcy. I initiated disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXin which I asked the CRA to correct erroneous information regarding an account reported on my credit report. The account was paid and closed due to it being traded in for another vehicle two years prior to me filing bankruptcy and Transunion insists on including it in bankruptcy which was not filed until XX/XX/XXXX. The most recent results from the dispute issued on XX/XX/XXXX still show the account in bankruptcy when it should not be. The partial account number is XXXX**. Also, there is an address of XXXX XXXX XXXX XXXX AL XXXX reported that I have advised on each of the above dates to remove. They advised it was done on each occasion when it was not. Finally, a glitch in their system occurred in XX/XX/XXXX where inquiries were removed and placed back on the report without me being notified. I would like these inquires removed : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/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 2017-08-22 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have two loans that were serviced by ACS/Wells Fargo. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by Wells Fargo. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.

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 2017-08-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo
u allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX  ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Cant access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a copy of my police report, driver license, identity theft affidavit to equifax ( certified mail XXXX XXXX XXXX XXXX XXXX ). Although they verified receipt of the mail via phone and returned receipt, the fraudulent accounts remain on my credit. The accounts are as follows : XXXX XXXX XXXX - XXXX Amount {$370.00} XXXX XXXX XXXX Account - XXXX Amount : {$71.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech the loan servicing company sent me a letter stating my mortgage payment had changed to a lesser amount. I in turn changed my payment amount according to the letter I received. Ditech told me the letter stated I change the payment on XX/XX/XXXX. I called to verify the correct starting date and understood it to be XX/XX/XXXX. I received a notice that my credit score had changed because Ditech had reported a late payment. Also I got charged a late fee. I requested Ditech to resend me the letter stating the payment terms. I have n't received the letter. I received a Email stating the issue has been resolved but in fact they are still charging me the late fee and reporting late payment. The amount I sent to Ditech covers my mortgage payment. the extra amount goes into an escrow account for my property taxes which is an elective amount at my discretion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, ( XXXX ) and XXXX XXXX XXXX, ( XXXX ) company submit a complain to American Express Fraud Department in regards of Unauthorized Transaction by our EX employee. We provide them information in writing that We did not hand over the AMEX credit card to our EX employee. it was left in Office Safety Box and we still have that Credit Card in our possession. At first they issued total amount {$4500.00} after we received a letter confirmed refund those amount but on XX/XX/XXXX they took those amount back and denied out claim. we mention that He may have made Duplicate Card. Transaction are below : Credit Card ending XXXX ( XXXX ) Closing Date : XX/XX/XXXX Unauthorized Charges {$4500.00} AMEX ( XXXX ) Card Closing Date : XX/XX/XXXX Unauthorized Charges {$370.00} I have attached all documents that include all amount in detail and other submitted complain records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.

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